Is your daughter feasibly going to make “real money” in the future? I personally look back on working a job in college as a waste of time and attempting to save money then as a waste of effort. Should have just taken more debt, the amount I did take turned out to be trivial to pay off and double or triple wouldn’t have been that bad. I feel like there are two worlds employment wise, and some advice leaks between them which ends up being maladaptive in its new environment.