I work in the mental health field and would seriously question the $1.3M income loss, particularly if she was going to be working at the Master’s level, and particularly considering managed care rates and the move to Obamacare. Story appears a scant spare on details.
sorry - should be sparse on details.
Over a 40 year career, it is an estimated loss of about $32,500/yr, which is not unreasonable. But really, she just needs to take the course over again and make more of an effort. It isn’t like she’s paying for it, which is part of the problem.