<p>This kid sounds like a problem solver. I think you need to give her the dollar amount you will pay per year, and push her to explore options and figure out some of her choices. Suggest she get an account out here on CC, and give her the info she needs to run NPCs. Make the cost beyond what you can pay HER problem, not yours. I assume you are not willing to sign for loans beyond the federal loan amount she can take out ($28,000 total for her full four years of undergraduate study). She can’t get herself into too much financial trouble if you stick to not taking out loans beyond federal loans, and giving her an amount to spend.</p>