Maybe he prefers to focus on school during the school year and then work his butt off during the summer to make/save enough for the school year. I did that in college. I'd work 3 or 4 jobs during the summer and save every penny that I could so that I didn't have to work during the school year. That didn't make me any less financially responsible than any of my classmates that worked during the school year. Heck, I was more responsible than they were because I knew that what I had in the bank had to last because I didn't have another check coming in a week or two.