"No longer a need to consider..." sounds to me like nobody has to consider it -- which I don't believe. I'm not contradicting you, Rich. I'll go away and look at some stats, see if I can make any sense of it. But I don't think it's going to come out anywhere near "nobody" who doesn't have to consider this. I'm betting there are many people out there who have put doctoral plans on the shelf for this reason: they can't do their desired program - because they'd have to quit work (for one of the reasons I outlined earlier) and then they'd be insecure financially. And non-doctors, too. Back in 1989 I had it happen to me. Two really good schools within commuting distance in New York State offered 50% scholarships for Canadian CoCo grads with really good marks - and I had just graduated (night school) with the required marks. I'd start in year 3 of a Bachelor program. Day school - I'd have to quit my job and still pay the Uni $7,500 a year for 2 years. I was 46 and retirement was 4 years away. And I was still supporting a family by remote control, if you know No, I couldn't quit my job, pay the mortgage and bills, pay $7500 a year and support a family. I buried the idea for 3 years and waited till I retired, got my retirement money and had paid all family obligations. I also sold my house. Then I went to my local uni at night - for years...I paid full whack from my own money. We all do what we have to -- and all of us can't make the same choice. Just sayin'. It might be a while before I get back with some numbers.