Noone has mentioned the ADD-inattentive which, in itself, without any of the other complicating factors, can sometimes make academic progress difficult.
For some, the structure of work, and the structure that work gives to life, keeps them focused more. In fact, it is better than having the extra time to not get things done!
That said, our culture values college degrees. I am not saying I agree with this. But for those kids who already feel “less than” for whatever reason, achieving a degree provides some validation.
Even taking one class, while working at a job a young person doesn’t much like, can provide hope for the future.
I think that college should be finished in this case, no matter when. I think that the emphasis should be less on what the major is, and especially what the career would be, and more on just finishing. There are “adult learner” programs that will take credits and life experience and make graduation happen a lot faster.
Look at Lesley’s degree completion. There are many others. BU has a degree completion online that does not involve a major at all. These programs are tailored to those who can only take one or two classes, sometimes have to stop entirely for a semester or two, and so on. Different terms cover this option: “adult learner,” degree completion," “continuing education,” and “extension school.” They often include the option to take classes in the daytime, evening or weekend, or online. Many state U.'s have these programs. UMass has one called “University without Walls.”
Also a major like “liberal studies” might mean she is finished. I would forget about the calculus.
If your daughter wants to fly maybe she could take some lessons and satisfy her desire to fly that way.
So… I would suggest finding a program that will help her graduate- like Lesley does. Encourage work at 20-30 hours, and school at one of two classes.
I hear you about the money. I am in the same situation with some somewhat similar circumstances. . I think your daughter should be mainly self-supporting but living at home can help with that of course.
Otherwise, at her age (even with the maturity level that you mention) I think she should be the driver of things in her life as much as possible. It may be hard to find out what she wants, I realize. Counseling might help or not, you would know. But if she WANTS to continue school and WANTS to do work, plenty of people manage to do that for a long time and actually finish. The work provides structure for the present, the school provides structure for the future.
When you know one of your children is terminal, for 2 1/2 years, that is a long long time and I think you are right to encourage normalcy. In fact, a terminal illness IS your normalcy right now.