Personally, that third option is probably the best one, since I'm certain you would be the first one to have actually explained it to her.
Paid for by friends of Susie Flynn and Children’s Defense Fund.
shocking.
She’s got some idea about personal responsibility, now she needs to expand it some more. This is a personal-responsibility issue, after all. You want kids? Make sure you get educated enough to be able to support them. Among other things.