@chipperd, my point was that the family probably had better choices in picking other schools that didn’t require OOS fees since the Animation major is very employable with a Community college degree.
There will be a point when this family will be tapped out and won’t be able to take out loans. If Mom is disabled, more medical costs may be in the future. A $6K loan for braces, at this point, with outstanding bills, just isn’t financially savvy.