My daughter, TheCoed, is a vocal performance major at Penn State’s College of Arts and Architecture. She just recently changed from her original major of music education; fortunately for her, most (if not all) of her credits transfer to her new major. She’s lucky; she got in two full years of my employee tuition break, which means her debt is only 25% of the full time tuition everyone else pays for those two years. From now on, however, she’ll be paying 100% tuition like anyone else, even with me working here 40 hours a week. Last year’s tuition was approximately $14,000 (lower division courses), but this year she’s an upper division student, so her tuition is more like $15,000–and 5.9% of that is $885. As a local student, she felt she couldn’t justify living in the dorms and decided to stay home for the first year. Now she longs to move out, but still worries about the costs she’ll incur on top of student loans. She still hopes to graduate in four years, when she will begin looking for a job in a field where loving what she does might well be greater than the paycheck it brings in.