Emma (caller)

Emma, an 18-year-old high school senior, seeks advice about her acceptance to the University of Northwestern St. Paul, where annual tuition is $38,000. With limited financial support from her parents and a scholarship that still leaves her with a hefty debt, she grapples with her future in pastoral ministry. The hosts emphasize maturity in budgeting and exploring alternatives like community college, cautioning about the challenges of student loans in her chosen field. They also highlight the value of experience over costly degrees.