Well after much reviewing and introspection, applied for financial aid for child to go to the school year version of the summer program she is enrolled in. The situation right now, if nothing else is done, she will be held back for 3rd grade. As she is already old for her grade level, that would not be good for multiple reasons. They also stop teaching reading in 2nd, 3rd grade, so after that she will be expected to know how to read fluently. The tuition is 18.2K. We are eligible for 5-6K assistance, so our balance will be 12.2-13.2K. Though it is huge, and I'm not sure how we will pull this off, I know in my heart this is the right decision. Needless to say, if I don't post often this next coming year, you know why. Hopefully I can put into action things I learned on this and other blogs, to be ninja good with our money to come up with an additional 12-13K from our budget to make this happen.