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I can't really help with the financial side, but why not put a college restriction on it since it's a great life experience even if she doesn't finish. Maybe put a college restriction or delay her getting it for a couple years longer otherwise as encouragement.In my family college was always just something that was expected. I didn't even consider highschool grad anything special because it was just like any other year along the way. When I have kids, I plan to "talk" like college is the only plan and then still support them if they make a different choice, it's not for everyone, but I want to stack the cards in that direction.
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