Hello all, MY DD was awarded a 4 year scholarship at the university level which she has accepted. She completed her physical and eye exam last week. My concern is a financial one, I assume those exams take a while to work their way back through the system. I was already prepared to take care of her initial fees, books and uniforms in the fall ($2500). She will receive HOPE scholarship funds which will cover most of her tuition, I'll fill in the gap her as well ($300-$500). The ROTC scholarship will be used to cover room and board but not sure when her PFT will be scheduled and what that means in terms of when she will be contracted. The scholarship offer letter specifically states she has to contract before receiving any benefits from the scholarship. She was awarded some financial aid which includes a student loan (ugghhh.....). I am looking for opinions from folks experienced with the process, should she accept the financial aid (and the loan) until the scholarship kicks in? I would love for her to avoid college loan debt. I can not bear 100% of the gap due to family issues - her younger sister will be a hs senior in the fall and I care for my elderly mother. In addition to student loans of my own that I am still paying back.