Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. At 61, Robert is recovering from shoulder surgery and out on medical leave from his job as a utility line supervisor. His short-term disability income covers part of his paycheck, but not enough to manage the mortgage, utilities, groceries — and now, a $32,000 fall tuition bill that just landed in his inbox. His youngest daughter, a sophomore at an out-of-state public university, lives in a campus dorm. Th ...