This is a somewhat different but nonetheless unanticipated situation. Our son graduated in 4 years from private university. No problem; no debt, since we had saved for this.
Our daughter also graduated from private college in 4 years (1 year overlapped with her older brothr). No problem, since we had planned on this.
BUT about 4-5 years after graduation, our daughter determined that she needed another degree, specifically an MBA degree. We had not planned on this. She got out of the employed category and prepped like crazy for the GMAT, writing essays, and so on. Got excellent GMAT score, got into a top 10 B school, and combined that with a masters degree in sustainable systems. This cost a ton of money. Far more than her undergraduate degree. We had not planned on it. Her Federal Direct Loans were given to her at a usurious interest rate. How could she possibly pay it off in a reasonable time?
The Bank of Mom and Dad came through. The cost was twice the cost of her undergraduate degree. It was worth the effort – for HER.