Null value prevents calculation

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I have a table named Jobs that contains a [Total] field where the cost for
the job is entered. I have another table named Payments that contains a
[Payment] field where payments are entered. I have a one-to-many
relationship setup so there can be multiple payments for each job. When I
run a query to see which jobs are not paid, the ones with no payments at all
do not show up because there has been no entry made yet. The field has a
null value. How can I get the query to subtract a zero payment from the job
when there is no payment yet?


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