Philomina Osei is 21 years old and pursuing a Business Administration degree at Ghana Baptist University College. The young girl hopes to be a banker someday. In September 2015, Philomina will enter her third year of college. Her greatest fear is that her father’s retirement and ill-health and her mother’s age and unemployment, will keep her from completing her college education. She has applied to many organizations for help without success. Because of the financial burden on the family, Philomina now commutes from home to school since her parents can no more afford the room and board fees. Living at home means that she is constantly distracted by household chores which interferes with the time she can spend doing reading and assignments.