I agree with the finishing up school with an agressive approach. Honestly, babies aren't as expensive as everyone makes it out be. Chances are you'll get almost everything you could possibly need (and stuff you won't need) from a baby shower. Encourage her to breast feed. It's free and it's the healthiest thing for the child. The priciest thing you'll have to worry about are diapers, maybe $20 a week or so.