The points of comparison used in this passage are:
- Money: The advantages of earning a paycheck versus the reliance on others for expenses when not working.
- Time Management: The challenge of balancing multiple responsibilities while working compared to the simplicity of focusing solely on school when not working.
- Future Employment: The benefits of gaining work experience while employed versus the missed opportunities for experience when not working.
Overall, the main comparison is between working during the school year and not working during the school year.