Thanks for being will to share this. I will share what I have done with my D who is also 22 and whose story has some similarities to your S.
She has attended college “successfully” (as in she gets great grades) but she hasn’t stuck with a major long enough to earn any degree. She, too, has been identified as gifted and she has also been diagnosed as ADHD inattentive type (which I believe, but her father does not.) She remains unmedicated, and for the most part seems to be able to compensate. After 5 semesters (and 3 majors), when she wanted to change her major yet again, she also wanted to take a break from being a full-time student. I was very glad that she chose that option as I would have refused to continue paying for full-time student status for a new major in which she hadn’t yet taken a single college level course.
For the break period, I wrote up a not-a-contract spelling out what I would and would not pay for, and the timeframe she had to adhere to if she was requesting my financial support for future education. (I called it not-a-contract because I wanted the ability to change my mind if something arose that I hadn’t anticipated, and made it clear that I am very supportive of her earning a 4-year degree and wouldn’t just pull the financial rug out from under her without good reason.) I was willing to pay for her to return to school full-time starting this coming fall for 4 semesters provided that she had a solid plan (which I offered to help her develop and showed her examples of). During this break period, she must pay for all her expenses. For specific expenses (auto insurance, health insurance, health expenses, auto repair), I put money aside in a separate account that she will get back. She has to pay for her own rent, food, gas, clothing, personal care, entertainment (for which I will not reimburse her later.) I paid for her 2 college courses, but she must reimburse me if she fails, or if she does not use them to acquire a 4-year degree.
Her current situation is that she is employed full-time working for a company that seems very happy with her (gave her a raise at 6 months so that she’s being paid what they pay entry-level college grads), living on her own in a different state from Mom, and very happy. She’s making lots of noises about wanting to complete her degree part-time and online. I made it clear that I am not funding part-time schooling. I simply don’t have faith that she’ll stick with it long enough to complete it. I may or may not reimburse her if she does indeed complete her 4-year degree. I’ll see how I feel and where I am financially when/if she does actually complete a degree. I didn’t want to offer to reimburse her up front because I feared she would rack up lots of student loan debt and still not complete her degree. Had she decided to return to school full-time, I made it clear that I would expect her to take out student loans. I think I offered to pay the interest on the loans for the 4 semesters that I was paying for the lion’s share of her schooling.
I’m hopeful that she will one day complete a degree. And I can’t complain that she is self-sufficient. I do wish she was in a better paying, salaried position, but that may come in time. And I am frustrated that a kid who is smart and capable has chosen this particular path. But on the other hand, she really does seem to be happy, and it is absolutely her prerogative to choose her own course.
I’d just love to fast-forward a few years to know how this will all turn out.