<prompt> Human: Hey all - long time lurker here. My girlfriend and I are graduating college this year, and while Im off to work, she is pursuing her Masters in Social Work MSW. She was accepted into her top choice program, but it isnt cheap, and theyre not offering much money. Shes submitted an appeal for more, but I dont know how well those usually go.Its looking like shell have to take out anywhere from 40-50k in additional loans for the degree. Ive got 10k in loans myself, but Ill be starting at 60kyr and living at home, so my loans wont be an issue. My big money item is to buy a better car to replace the college beater. Once she gets out of school, she can expect to make 65-70kyr as a clinical social worker essentially a therapist in CT, but combined with her undergraduate loans shell owe 70k total in student loans.My questions are these: 1 For her expected income, is it worth it to be left with 70,000 in student loans?1a How effective are appeals to financial aid?2 Is there any productive way I could help while shes in school?3 Should she look for a cheaper school? Any advice would be greatly appreciated. Thanks!  <response>: Current MSW student here. My .02 are to go to the cheaper state school. Every msw program has to be cswe accredited anyways. To be a LCSW you have to have 2000-3000 hours of post graduate degree experience so itll be awhile before she sees a salary in the 70k range. A lot of msw grads dont come anywhere close to that in their first couple of years 