<p>Is she going to work over the summer? Even an$8/hour job can give her more than $2000 before school starts. As M2K noted, the totals add up to around $11K/year based on a double occupancy dorms and not a suite. Minus the $5500 in federal loans, leaves about $5500 to pay, but those fees are per semester, so only roughly $2750 due in the fall and a full time summer job can cover most of those expenses. There are also some payment plans available, so that would not need to be paid all at once, there may be some small fees, I didn’t take advantage of them so I don’t know the details. A part time job during the school year can cover a portion of the fees that would be due in January. That would leave just a couple thousand to cover. As a class valedictorian, did she not receive any local awards? My son’s graduating class had less than 80 graduates, but I’m pretty certain all the top 10 students received some local awards from local organizations or businesses. </p>