I'm not sure why you need $15,000, unless you've gone through all these measures and calculated how much out-of-pocket you will pay.

I'm not saying that we would need $15,000, I'm saying that *if* there were no scholarships/grants the total for the program would be $15,000.

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Yeah, I applied and filed FAFSA, looked into scholarships and grants. Right now I'm waiting to hear back on how much would be out of pocket. But it's not going to be 0. It's going to be less than $15,000 but more than 0. And not having the out-of-pocket costs on time would mean I couldn't start that semester, I'd lose eligibility for the scholarships and grants and have to start paying loans back.

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All I really need from my wife to do this is for her to say yeah, *if* it comes to it, we can take some money out of the retirement account to pay whatever's left over.

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I did talk to her again and she said "It's late in the game for this." She feels that it's too late now and the life we have is all we can hope for. I feel that we're still young and we have so much time to put that money back in the retirement account - and to potentially put more in if we did something that might help us make more money. She thinks that doing nothing is safer and refuses to accept that by not getting less poor we'll get poorer.