Thanks, Ray. I will look into your links. Very helpful. We, however, warned her from the start that there was only enough 529 money for two years of a private university. I guess she’s not to blame, because people are not all that smart at 18. We could have easily paid for her to go to a CSU for all four years, but they didn’t offer the program she needed or the program she needed was impacted and there was a waiting list. We are not interested in getting into more debt or putting our house on the line because she will easily make more having a BSN even without a graduate degree coming out of college than either one of us makes. My husband worked his way through SDSU in the 1970s doing crappy jobs; my parents at least paid the princely sum of $105 for the tuition per semester during the same period.