Here I received another shock. As a teacher, I am apparently “well-off”, so the short answer is a blunt, “No”. I almost guffawed at the irony of any teacher being considered affluent. But I’m certainly classified as such, when it comes to borrowing more than the bare minimum, to help with her funding. So suddenly I have to find the money for that shortfall in hall fees, plus some kind of monthly living allowance. All on a teacher’s salary.