@PengsPhils - Thanks so much for the information. It is really helpful. So, if I understand correctly, hopefully she can spread the $5K per semester over the 5 years as she will only be doing 6 semesters over the last 4 years (with first year deferred) - is that how it typically works? We were really hoping for a bit more as it is so expensive but we need to try to figure out how to compare costs. She will hopefully get paid for the two semesters co-op to defray R & B as you said.