On a typical Thursday, Kathryn Grajeda, a UW-Madison junior majoring in engineering mechanics, finishes class at noon and hurries home to work. Grajeda is luckier than many student workersâ??she can work from her apartment and set her own hours for her job at Total Water Treatment Systems handling data entry and spreadsheets. But the 10-20 hours she works in addition to a 17-credit, six-class schedule is critical, because Grajeda pays for school entirely on her own. When she graduates in 2010, she anticipates $40,000 in debt.