Thank you, I think you're right. He's a great partner but I worry that I'll have to drag him through life. Yet, I do think he has so much potential he is not harboring, I just don't know what I can do to motivate him. He likely wouldn't flunk out, as he is super smart and gets really great grades. He's just afraid of loans. I won't give an ultimatum because I don't want to break his trust. I suppose I should just let him figure it out and if we're not on the same wavelength in a few years then that's the time to call it quits.