But there goes her designer clothes and shoes. I bet if her books were open, OOP would find she was pissing away 1k/month or more. Money could have funded a year of state tuition. Even if her daughter had to take on some loans, it probably would have been to the tune of 5-7k/ year, as she would have been able to continue to funding from her income and OOP would have probably kicked in 2-3k a year. 