Re: daycare misgivings
I would look for new care ASAP. Depending on your degree goals/career aspirations, I am pretty sure I would not quit working/studying unless you really want to be a SAHM or are otherwise not into the degree for another reason. I don't think your daughter will be irreparably harmed by staying another couple of weeks in order for you to find new care, but I wouldn't delay. As far as other care being more expensive, I'd probably do whatever it took to pay for that care in the short term so I could finish my degree (including asking parents for a loan, going into a small amount of CC debt, cut retirement savings, cut budget somewhere somehow...) Presumably when you have finished school and are working full time, the financial wrinkles will sort out.