<p>Luckyducky - Let me also join in the chorus of congratulations on the admirable maturity you have displayed in being senstive to your family's spending for your education. You have already gotten excellent advice in the various posts. Whatever you ultimately decide will be "right" for you and your family in part because you have so thoroughly explored the options. What goes on is your caring spirit which will benefit you and whoever is lucky enough to know you the rest of your life.</p>