<p>Thank you, InvolvedmomFL. All my financial education has come from my mom who is an avid Susie Orman watcher. 
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<p>I have a free ride through FPP (which you are most likely familiar with), USF Director’s Award, and Bright Futures. I have a few grants that help get “extras”.</p>
<p>And thank you for the explanation.</p>