Man, you know the language of a student. Here is what I do: research the programs, and benefits that your school have. I found programs that paid for my books every semester, paid me to go to class, paid for some classes, and paid me to research. Of course, most of them are contingent upon GPA.
The study part, I don't sleep much. I would also suggest getting a very supportive, and productive group of friends who have the same goals as you, and are hard working. Also, it is a good idea to study ahead over the break (spring, summer, winter) before your classes start.