<p>hudsonvalley,</p>
<p>If your daughter does not get into a program that offers her full funding (that is, pays both her tuition and a stipend) she probably should not attend. All good PhD programs offer funding to at least some of their students (and the top programs provide funding to all their students) - if she’s applying to places that don’t, she should reconsider whether they are worth applying to. It’s just very hard to justify going into debt to pay for a PhD in the humanities, given that it does not substantially (if at all) improve your expected earning power. And I’m sure you don’t want to be paying for her education for the next 6-8 years.</p>