I'm studying abroad in Spain for a full academic year. My student handbook has estimated spending costs for a semester but no estimated yearly costs. So the combined cost for each semester is $13,380 which in my mind is a high estimate. For example, that includes two round trip flights at a cost of $2,400. I paid $430 for my one way ticket to Spain and I expect to find a similar ticket on my flight home. I have $3,035. The programs estimate is based on flight, theatre/concerts, going out/personal expenses, books, bus transportation from host family to classes and around the city, weekend trips. I know I will need $2,570 for my return home, books, bus transportation, contact lenses, and health insurance. Since I have a year to see Europe I won't need to travel as much as the semester students. But I will need $1,100 for a month to either pay to live with my host family or stay in hostels/travel. I understand that this is not free money though. Luckily I will be graduating with less debt than others because I'm only taking out federal loans. This is the first and only year I need a parent plus. Initially I borrowed $4,500 to cover fees. Now I think I need to increase the amount but I'm not sure how much. I was surprised I was even approved for parent plus. I live with my disabled grandmother. I hate to take out loans just as "spending money" but I know we don't have the type of financial situation where I can just call and ask for more money if I need it. She lives month to month. She pays car insurance and my phone bill which I'm very lucky to have even that.