Mom and Dad,

First of all, I love you more than I can properly articulate into words.

That being said, your inability to pay for my college tuition doesn't alter my love in any way. I realize that my existence was a pleasant surprise to both of you, and that you were left with little to no time to plan for me. Surprise!

I have always prided myself in being independent and overly capable, just as you raised me to be. Each time I witness my peers struggle with fundamental tasks necessary for everyday life, I voice a silent thank you to both of you in my head. In my life, you've given me things worth far more than any amount of money. Although we've never been rich in funds, we've always been rich in love. College is expensive, but your affection and support is worth so much more. Thank you for teaching me what true value is.

It is because of the unconditional love and support you've shown me that I don't mind paying my loan bill each month. More than that, however, is the fact that I get to make you proud.

With this all in mind, I want you both to know that the experience of working extra hours, budgeting, and planning my fiscal lifetime has changed me for the better. If I had the choice, I wouldn't pick a different life or different parents. I wouldn't be the sarcastic, scatterbrained, financially responsible adult I am today if it weren't for you. You inspire me to work hard and persevere; I can only hope to be half as gritty as you two.

One day, I'll repay you for all you've done. Know that in my eyes, "I wish I could've done more" is more than enough. More than you had to do. Despite your struggles, I'm living a great life. I have two unconditionally loving, supportive, and encouraging parents--that's something unfortunately rare.

So, Mom and Dad, thank you. Thank you for the love, the laughs, and especially for the long squeezy hugs. Those are important.

I love you.

Sincerely,

Your girl