Just wanted to make sure you are aware of Public Service Loan Forgiveness and Income Based Repayment when it comes to federal loan repayment. Your Norwich student could borrow $140,000 to get his law degree, work for a 501 (c) (3) making say 40K for 10 years and be able to have his debt forgiven. His repayment amounts during those 10 years would be based on his income if his loan debt exceeds his income. He could easily have $100,000 in loans forgiven. It'd be great if you wanted to continue to subsidize his education but just in case he has any non-profit interests wanted to let you know about these fairly new programs. There are a few great websites out there explaining these programs but if you are interested in reading more check out www.finaid.org for explanations and great calculators.