Thanks! She is ambitious financially, but with social work, you never know and I want her to prepare for the worst-case scenario too. She is aiming for a school social worker job once she gets her LCSW credential. So, there will be grad school costs as well as 2 years post-MSW prior to the LCSW exam. If she invests in the undergrad BSW as a residential student, she could shave one year off the MSW program.
She’s not trying to freeload, but she wants a career in a typically low-paying field. She told me she heard that social workers get paid at what society believes their clients are worth.
Still, we’re trying to keep her out of extreme student debt. If she could keep her undergrad student loan payments to $200/month or below, perhaps that’s doable. I’ll have to check on details about MSW grad school debt and see what that would do to her monthly payment.