"the bank of middle-class parents" is not a real bank. It's your parents. You can pay them whenever (and you most likely never fully/really will, and that's ok)

"the bank of middle-class parents" is not a real bank. It's your parents. You can pay them whenever (and you most likely never fully/really will, and that's ok). Your opportunity cost might be true and might be "I can't help support my family on a part time job". Your situation might not be extremely rarefied, but I don't think you grasp the immensely insurmountable advantage you have in this scenario.