College student financial aid is transforming from "security-oriented" to "development-oriented". As a key carrier of developmental financial aid

the educational function of work-study programs has become increasingly prominent. However

current work-study programs still face problems such as low post level

weak educational function and single management mechanism

which leads to the disconnection between "financial aid" and "education". On the basis of sorting out the theory of developmental financial aid and the educational function of work-study programs

this paper analyzes the practical dilemmas and causes of current work-study programs in the cultivation of students' competency

and then puts forward a systematic improvement path from five dimensions: conceptual transformation

post optimization

process empowerment

platform construction and institutional guarantee

so as to promote the transformation of work-study programs from "financial assistance" to "capacity forging".