<p>The loans are an option and good back up. But make sure that she looks at various scholaships available over the next few years. There are some out there that are only available to soph and over students. It may not cover the whole 15,000, but even a portion would help. Also, can she work a job in the summer to help too? 15,000 is not a terrible amount of debt to graduate with. You did not do as bad as you think you did with saving! Great job!</p>