When my 18-year-old daughter’s scholarship letter arrived in the mail for college, I was amazed that she’d been awarded so much.Ellie was offered $33,429 toward the $46,000 needed for tuition through scholarships and grants.However, as a residential college, another expectation was living in the dorm. These extra room and board costs added up to around another $10,000.My husband and I both worked, but we would have needed to take out a loan for the additional…