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Ezra Bates

EDD benefits while in grad school? Program rules not letting me work

I'm starting a full-time doctorate program next month that explicitly prohibits outside employment (it's in their policy handbook). Before this, I was working full-time at a marketing agency for 3+ years but had to quit to start the program. My academic advisor mentioned something about unemployment possibly being an option, but I'm so confused about whether this would actually work. The program is 4 years long and I'm living off student loans which barely cover rent in LA. Has anyone successfully claimed unemployment while being a full-time student? The handbook literally says we can be kicked out if they discover we're working, so I need something to supplement these loans. Would EDD even consider me "available for work" in this situation?

Sorry but this is probably not going to work. EDD requires you to be able and available for work, which means you must be able to accept a full-time job immediately if offered. Since your program prohibits employment, you're technically not "available" by EDD standards. I was in a similar situation with my MBA program (though mine didn't prohibit work) and got denied because I couldn't prove I was available for full-time work while taking classes.

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Ugh, that's what I was afraid of. But what are students supposed to do then? The stipend they give us is like $12k a year in one of the most expensive cities in the country.

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wait ive heard theres like special exception 4 approved training programs where u can still get benefits while in school. my cousin did something like that last yr

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You're partially right - there is the California Training Benefits (CTB) program, but it's designed for short-term vocational training that improves your employability. It's typically for programs lasting 4-24 months, not 4-year doctorate programs. Also, the key requirement is that the training must help you get a job, not prevent you from working. Since OP's program explicitly prohibits employment, it likely wouldn't qualify for CTB approval.

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I think you should look into other assistance programs instead of EDD. Have you checked if you qualify for CalFresh (food stamps)? A lot of full-time students don't qualify, BUT there are exceptions, especially if you have work-study as part of your financial aid package. Also check with your university's financial aid office about emergency grants or additional loans. Some schools have special hardship funds for doctoral students too.

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That's a good idea about CalFresh - I'll definitely look into that. And yes, I should talk to financial aid about other options. Thanks for the suggestions.

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Back when I was in school (not grad school but still) I worked under the table tutoring. Not saying you should break your program rules but just saying there are ways to make cash without your program finding out...

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I would strongly advise against this approach. Not only would it violate the program's policies and potentially result in expulsion, but working "under the table" while collecting any government benefits could constitute fraud. If discovered, this could result in penalties, repayment requirements, and potentially impact future career prospects. There are legitimate assistance programs available that would be much safer alternatives.

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Have you tried calling the EDD to ask directly about your situation? I spent TWO WEEKS trying to get through to someone there about my benefits when I was starting a part-time certification program. The phone lines are always jammed!! I finally used Claimyr (claimyr.com) to get through - they have this system that calls EDD for you and connects you when they get through. There's a video that shows how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km When I finally talked to a real person, I got accurate info about my specific situation instead of guessing from online forums. Worth it to get a definitive answer from EDD directly.

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Thanks for the tip! I didn't even think about calling them directly, probably because everyone complains about never getting through. I'll check out that service if I can't get through on my own. Did the EDD rep you spoke with seem knowledgeable about student situations?

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The first rep I talked to wasn't sure, but they transferred me to a specialist who definitely knew about student situations. Make sure to ask for a specialist if the first person seems uncertain. And get their ID number so you can reference the conversation later if needed.

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I want to clarify something important: While regular UI benefits typically wouldn't work for your situation, there are a few things to consider: 1. California Student Aid Commission offers some grants specifically for graduate students 2. If your program includes any required internships or practicums, those might count as work experience without violating program rules 3. Some doctoral programs have teaching requirements that come with additional stipends 4. Ask about departmental funding opportunities - some departments have research positions that don't count as "outside employment" Did your program specifically address these options? While EDD likely won't work, there should be institutional support mechanisms for someone in your situation.

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Thank you for these thoughtful suggestions. My program does include teaching assistantships starting in year 2, and there are some research opportunities, but they're limited and competitive. I'll definitely look into the CA Student Aid Commission grants - hadn't heard of those before. The handbook mainly prohibits external employment but internal university positions might be allowed with approval. I'll have another conversation with my advisor about all of this.

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EDD is such a NIGHTMARE for students!!! I tried to get benefits when I started my master's program last year and got DENIED even though I had been working full-time for 5 years before that. The whole system is designed to EXCLUDE people who are trying to better themselves through education!!! They act like going to school means you don't want to work, which is COMPLETE NONSENSE. I ended up having to take out WAY more loans than I planned. The whole system is broken!!!

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ya its pretty messed up!! like we pay into the system when were working but then cant use it when we need it most smh

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To give you a complete picture of your options: 1. UI benefits: Unfortunately, as others have mentioned, you likely won't qualify due to the "available for work" requirement conflicting with your program's employment prohibition. 2. California Training Benefits (CTB): This program allows some students to receive unemployment while studying, but it's designed for vocational training that enhances job prospects, not programs that prohibit work. 3. Financial aid expansion: Contact your university's financial aid office about increasing your loan amounts based on cost-of-living documentation. Many grad students can appeal for higher loan limits with proper documentation. 4. Assistantships: Many doctoral programs offer teaching or research assistantships that provide tuition remission plus stipends. These are usually considered part of your academic program, not "outside employment." 5. Fellowship applications: There are numerous external fellowships for doctoral students that provide living stipends without being considered employment. 6. CalFresh: Graduate students may qualify for food benefits if they work 20 hours per week (which you can't do) OR have work-study in their financial aid package. I'd recommend focusing on options 3-5 as your most viable paths forward.

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This is incredibly helpful - thank you for laying out all the options so clearly. I'm going to schedule appointments with both my program advisor and the financial aid office to discuss assistantships and additional financial aid. I'll also start researching external fellowships right away. It sounds like unemployment isn't the right solution for my situation, but I'm glad I asked because now I have several other avenues to explore.

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You're welcome! One last suggestion - many universities have emergency assistance funds specifically for graduate students facing financial hardship. These are often managed through the Dean of Students office or Graduate Student Services and don't always require repayment. Definitely worth asking about during your meetings.

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I went through something similar when I started my PhD program a few years ago. The employment prohibition is pretty standard for many doctoral programs, especially in the first year. Here's what worked for me: 1. **Graduate Student Emergency Loans** - My university offered short-term, low-interest loans specifically for grad students. They were processed much faster than regular financial aid. 2. **Departmental work opportunities** - Even though "outside employment" was prohibited, I was able to do some grading and research assistance within my department that didn't violate the policy. Ask your advisor specifically about internal opportunities. 3. **Stipend advances** - Some programs will allow you to get an advance on future TA/RA stipends if you can demonstrate financial need. 4. **Food pantries and student resources** - Most universities have food pantries and emergency assistance programs that don't require repayment. UCLA and USC both have extensive programs if you're in the LA area. The key is to be proactive and ask your program administrators directly about these options. They deal with this situation more often than you'd think, and there are usually resources available that aren't widely advertised. Don't suffer in silence - your success is in their interest too!

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This is exactly the kind of advice I was hoping to find! I had no idea about graduate student emergency loans - that sounds like it could be a real lifesaver for the immediate financial crunch. I'm definitely going to ask about departmental work opportunities too. My program is at USC actually, so I'll look into their food pantry and emergency assistance programs. It's reassuring to hear from someone who went through the same situation and found solutions. Thank you for taking the time to share all these specific options!

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I'm a current graduate student and dealt with a similar financial crunch during my first year. One thing that hasn't been mentioned yet is **Graduate Student Union resources** - if your university has a graduate student union, they often have emergency funds and know about lesser-known financial assistance programs. Also, check if your program has any **conference or research funding** that you might be able to access early - sometimes these funds can be used for living expenses if you frame it as supporting your academic work. Another option is **plasma donation** if you're comfortable with that - it's not employment and can provide a few hundred dollars per month. I know several grad students who did this during tight financial periods. Lastly, reach out to other students in your program, especially those in later years. They'll have the most practical knowledge about navigating the financial challenges and may know about department-specific opportunities that aren't well publicized. The graduate student community is usually pretty supportive when it comes to sharing survival strategies!

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These are really creative suggestions! I hadn't thought about the graduate student union - I'll definitely look into whether USC has one and what resources they offer. The plasma donation idea is interesting too, though I'll need to check if there are any restrictions in my program handbook about that kind of thing. I'm probably overthinking it, but with how strict they are about employment, I want to make sure I don't accidentally violate any policies. The advice about connecting with older students is spot on - I've been so focused on the official channels that I forgot about the informal knowledge network. Thanks for thinking outside the box!

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I'm a former EDD claims specialist and want to clarify a few things about your situation. Unfortunately, you likely won't qualify for regular unemployment benefits because of the "able and available for work" requirement. Since your program explicitly prohibits employment, EDD would consider you unavailable for work. However, I noticed something in your post - you mentioned quitting your job to start the program. If you were laid off or terminated (not quit voluntarily), you might have a stronger case. But even then, the employment prohibition would be a major hurdle. One thing worth trying: when you call EDD (and yes, definitely call rather than just assuming), explain that you're seeking work that would be compatible with your academic schedule, even if that's limited. Some reps interpret "available for work" more flexibly than others. That said, the other suggestions here about university resources, emergency loans, and CalFresh are much more realistic options for your situation. Focus your energy there rather than banking on EDD benefits.

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Thanks for the insider perspective! I actually did quit voluntarily to start the program, so that probably makes my case even weaker. I appreciate you explaining how the "available for work" requirement would be interpreted - it helps me understand why this probably isn't a viable option for me. I'll still consider calling just to get official confirmation, but I'm definitely going to focus most of my energy on the university resources and other assistance programs that people have mentioned here. It's helpful to have a former claims specialist confirm what I was starting to suspect from everyone else's responses.

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I'm currently navigating a similar situation as a second-year doctoral student, though my program allows limited employment with approval. One resource that really helped me was contacting my university's **Graduate Division** directly - they often have discretionary funds for students facing unexpected financial hardships that aren't widely advertised. Also, if you're at USC as mentioned in the comments, definitely check out the **Trojan Food Pantry** and ask about their **Emergency Financial Assistance Program**. I know several USC grad students who received one-time grants of $500-2000 to help with living expenses during their first year. Another angle to consider: some doctoral programs have **summer funding opportunities** or **pilot research grants** that you might be able to access early if you can demonstrate financial need. Even if these are typically for later years, programs sometimes make exceptions for students in genuine financial distress. The key is being transparent with your program about your situation - they have a vested interest in keeping you enrolled and successful, so they're often more flexible with internal support than you might expect.

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This is really helpful information, especially the specific details about USC resources! I'm definitely going to reach out to the Graduate Division - I didn't even know that was a separate entity from regular financial aid. The Trojan Food Pantry and Emergency Financial Assistance Program sound like exactly what I need to look into. Your point about being transparent with the program is well taken. I think I've been so worried about appearing unprepared or financially irresponsible that I haven't been direct enough about my actual situation. It makes sense that they'd want to help keep students enrolled rather than risk losing someone to financial hardship. I'm going to schedule a more honest conversation with my advisor this week and ask specifically about early access to funding opportunities. Thanks for sharing your experience - it's really encouraging to hear from someone who's navigating similar challenges successfully!

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As someone who works in university financial aid, I want to add a few important points that might help: **Document everything** - Keep records of all your conversations with advisors, financial aid staff, and program administrators. If you do find internal funding opportunities, you'll want documentation showing these don't violate your employment prohibition. **FAFSA considerations** - Make sure you've exhausted all federal aid options. Many doctoral students don't realize they can often borrow additional unsubsidized loans beyond the standard amounts if they demonstrate higher cost of living. The financial aid office can walk you through a "professional judgment" appeal. **Timeline is crucial** - Most emergency assistance programs have limited funds that get distributed on a first-come, first-served basis. Don't wait too long to apply for these resources, especially as we're getting into the new academic year when demand is highest. **Tax implications** - Keep in mind that some forms of assistance (like emergency grants) may be taxable income, while others (like loans) are not. Ask about this when exploring your options so you're not surprised at tax time. The good news is that universities generally have more resources available than students realize - you just have to know where to look and be proactive about asking. Your situation is more common than you think, and most programs have dealt with this before.

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This is incredibly valuable advice, especially the point about documentation! I hadn't thought about keeping records of these conversations, but you're absolutely right - I'll want proof that any internal opportunities I find are approved by the program. The FAFSA professional judgment appeal is something I definitely need to look into - my current aid package was based on pretty basic calculations and didn't account for LA's actual cost of living. I'm going to call the financial aid office tomorrow to ask about additional unsubsidized loans and the appeal process. Thanks for the heads up about timing too - I'll start submitting applications for emergency assistance programs right away rather than waiting to see if other options pan out first. It's really reassuring to hear from someone who works directly with these programs that my situation isn't unusual!

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I'm a recent PhD graduate who faced this exact same dilemma during my first year. While EDD unfortunately won't work due to the employment prohibition (as others have correctly pointed out), I wanted to share a few additional strategies that helped me survive financially: **Gig work that's not "employment"** - Things like participating in research studies, focus groups, or market research can provide extra income without violating employment policies. Universities often conduct paid studies, and companies like UserTesting pay for website feedback. **Academic freelancing** - Some programs allow academic writing, editing, or consulting work since it's related to your field. Check if your handbook distinguishes between "employment" and "academic services." **Grant writing workshops** - Learning to write grants early can pay off. Even small grants ($1,000-5,000) can make a huge difference, and the skills will benefit your entire career. **Housing alternatives** - Consider graduate student housing, house-sitting opportunities, or becoming an RA if your program allows it. Some of these come with stipends or free housing. The financial stress during the first year is brutal, but it does get better once you become eligible for assistantships and develop grant-writing skills. Your program invested in accepting you - don't hesitate to use every resource they have available. You've got this!

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This is such a comprehensive and practical response - thank you! The distinction between "employment" and "academic services" is something I definitely need to clarify with my program. I hadn't thought about research studies and focus groups as income sources, but that's brilliant since they're not ongoing employment relationships. The grant writing workshop suggestion is especially appealing because it's an investment in future funding opportunities too. I'm also going to look into the housing alternatives you mentioned - even saving on rent would make a huge difference right now. It's really encouraging to hear from someone who made it through this exact situation and came out successful on the other side. The reminder that my program invested in me is something I needed to hear - I'll try to approach these conversations with more confidence about asking for help. Thanks for sharing such detailed and actionable advice!

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I'm a financial aid counselor at a large California university and want to emphasize something that hasn't been fully explored yet - **Institutional Work-Study programs**. Even though your program prohibits outside employment, many universities have internal work-study positions that are considered part of your educational experience rather than employment. These can include: - Library research assistance - Administrative support for academic departments - Peer tutoring or academic coaching - Lab maintenance or data entry for research projects The key is that these are funded through your financial aid package and supervised by university staff, not external employers. I'd specifically ask your financial aid office about "Federal Work-Study" and "Institutional Work-Study" opportunities - they often have openings that aren't widely advertised. Also, many students don't realize that you can request a **Cost of Attendance adjustment** if your living expenses exceed the standard student budget. If you can document higher housing or transportation costs in LA, your financial aid office may be able to increase your loan eligibility accordingly. Don't give up on finding legitimate solutions within the system - universities have more flexibility than students often realize, especially when retention is at stake.

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This is exactly the kind of insider information I was hoping to find! The distinction between work-study and regular employment could be a game-changer for my situation. I had no idea that Federal and Institutional Work-Study might be classified differently from "outside employment" in my program's policy. I'm definitely going to ask my financial aid office specifically about these opportunities and whether they have any openings that aren't publicly posted. The Cost of Attendance adjustment is another great point - my current aid package definitely doesn't reflect LA's actual living costs, so documenting those higher expenses could unlock additional loan funds. I really appreciate you taking the time to explain these options from a professional perspective. It gives me hope that there might be legitimate pathways I haven't explored yet. I'll be calling financial aid first thing Monday morning to discuss both work-study opportunities and the cost adjustment process!

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I'm a current doctoral student who went through this exact situation last year. While everyone's right that regular EDD benefits won't work due to the "available for work" requirement conflicting with your employment prohibition, I want to share what actually saved me financially: **CalFresh with student exemptions** - You mentioned this briefly, but it's worth diving deeper. Even without work-study, you might qualify if you can document that your expected family contribution is zero or if you're caring for a dependent. The application process is tedious but can provide $200+ monthly for groceries. **University emergency funds move FAST** - I got $1,500 within 48 hours from USC's emergency assistance when I explained my situation clearly. Don't write a novel - just state facts: program prohibits employment, living costs exceed aid, need bridge funding until TA opportunities become available. **Research participant databases** - Sign up for every university research study database you can find. I averaged about $300/month participating in psychology, business, and social science studies. It's completely separate from employment and actually looks good academically. **Department "work" vs "employment"** - My program distinguishes between prohibited outside employment and internal academic support. I now help with departmental events, guest lecture preparation, and conference logistics for modest stipends that don't count as employment. The key is being strategic and persistent. Your financial aid office wants you to succeed - use that to your advantage. Good luck!

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This is incredibly detailed and actionable advice - thank you so much! The CalFresh information is particularly helpful since I wasn't sure about the student exemptions. I'm going to look into whether I qualify under the zero expected family contribution criteria. The point about university emergency funds moving fast is encouraging too - I've been hesitating because I thought the process would take weeks. Your success with research participant databases is really motivating - $300/month would make a huge difference for groceries and basic expenses. I'm definitely going to sign up for every study database I can find tomorrow. The distinction between department "work" and "employment" gives me hope that there might be internal opportunities I haven't discovered yet. I'll ask my advisor specifically about helping with departmental events and conference logistics. It's so reassuring to hear from someone at USC who navigated this successfully - knowing it's possible makes all the difference. Thanks for taking the time to share such specific strategies that actually worked!

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I'm a third-year doctoral student at UCLA who faced almost identical circumstances during my first year. The employment prohibition is standard, and unfortunately, EDD won't work - but there are definitely viable alternatives that can get you through this financial crunch. Here's what worked for me specifically: **Graduate Student Resource Center** - Most people don't know this exists, but UCLA (and USC) have dedicated resource centers for grad students with emergency funding, food assistance, and financial counseling. They're separate from general financial aid and often have faster turnaround times. **Professional development funding** - Many programs have discretionary funds for "professional development" that can cover conference attendance, research materials, or even living expenses if you frame it as supporting your academic progress. Ask your department administrator (not just your advisor) about these opportunities. **Teaching prep stipends** - Even though you can't TA until year 2, some departments pay small stipends for preparing teaching materials, attending pedagogy workshops, or observing classes. These are considered academic preparation, not employment. **Plasma donation** - As mentioned by another commenter, this isn't employment and can provide $400-600/month. CSL Plasma and Grifols have locations near most LA campuses. The financial stress during year one is incredibly tough, but remember that your program accepted you because they believe in your potential. Don't be afraid to advocate for yourself - squeaky wheels get the grease, especially when it comes to keeping students enrolled. You've got this!

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