We have had our daughter use her summer earnings on anything beyond tuition, fees, books, apartment rent, groceries, cellphone, internet, school books, and other necessities. We give her a set amount for rent, utilities, and groceries/cleaning supplies, and basic toiletries each month. She had a job the summers of 2019 and 2020; we have her use this money for eating out and discretionary purchases (including what I think are expensive toiletries). However, with her taking a prerequisite language class this summer, it’s looking like she won’t have a job this summer, but she wants to work in the fall. I am counting on giving her maybe an extra $50-75 a month this school year with her understanding that she will likely need to cut back on the discretionary spending if she does not want to have to take on student loans.