@paulster69 I completely understand your position. If you and your daughter can swing it by maybe splitting the loans after graduation, I would go for it. I’ve spent 30 years in banking so I know the pitfalls of debt, but if you are responsible and don’t take on too much you can do it. $20K in debt is like a car loan. Based on your previous comments, you are smart and have thought this through. Best of luck. Your daughter sounds great and determined.