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About the payment plans: some national HQs only allow them for initiated members--meaning that new members have to pay everything at once. Sometimes the payments ARE due in installments, but it may be 2-3 installments instead of a monthly payment plan.
It's been my experience that most students work in some capacity while in school, regardless of socioeconomic background. Sometimes that's being an RA or assistant house manager (in our Greek and Program Houses, that was a position that pretty much meant you had the master key), for others that was being editor of the school paper (at most schools, a paid position), and still others worked in the dining hall. I'd say for most people I knew, that job paid for personal expenses and not tuition.
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