We are fortunate enough to be able to cover my D’s undergraduate degree, but now she’s toying with applying to graduate school. We have made it clear that anything beyond an undergrad is on her dime. Unless you are pursuing a career that absolutely requires additional credentials to gain employment, WHY would you saddle yourself with debt? I think it will take being out in the work world with her peers who are struggling to pay loans while trying to feed, clothe and house themselves before she realizes what a gift she’s been given. And what do you think?