<p>kburmeister, several friends reminded me that not only was health insurance an issue, but also auto insurance (student rates), and at least with our ins company--we'd lose the 10% of our homeowner's insurance value that covers full time dependent college student's "stuff", whether in a dorm or apt.</p>
<p>Now I haven't yet verbally checked with the company to see if there would be a possible waiver of this given the circumstances. But I'd be surprised. We're advising S to do full time but make sure the last 3 hours are very easy....he's coming in the 3rd week of classes.</p>