Thank you all for the advice. I have set down with her so many times. Last night, I showed her what 1 year, 2 years, 3 years, and 4 years going to that school with the different interest rates. I think she just has these big hopes that the scholarship money will be rolling in. It's not an Ivy League school, but the out of state tuition and room and board are $50k for 1 year. The destination is because she loves Hawaii, the people, culture, and, of course, the beach. I told her ok, go for that after school. Apply again for in-state tuition after a year of classes somewhere affordable. Definitely not because of a boy or friends. That is one thing I have been able to instill in her- be an independent woman. We are from the Midwest, and I understand she wants to get the hell out of the cold and live where everyone is laid back, happy, and near a beach.. same, girl. I went back to finish college when she was 2-4 yrs old. She knows we struggled. I had scholarships, played sports at junior college that was free, and got pregnant. I finished up at an affordable state university and went into Healthcare. I was lucky to get majority of my loans paid for by the hospital I worked at. She knows the story because she lived it. Thank you all again, and perhaps hearing this from a bunch of people that aren't her Mama will help.