Well... I don't have any advice, except to tell you to tread carefully... Very, very carefully. She's already aware of it.

My husband was able to graduate college practically debt free thanks to his parents. They were able to pay for his private education out of pocket. I have been in school going on 10 years now. No lie. I have more debt than I care to admit. I feel extremely guilty about it. The last thing I need is someone pointing it out to me.

I've been very lucky, though. My husband has job that pays well enough that we don't really need to worry. My husband is also very financially savvy, and is able to make good decisions, like deciding which of my loans should get paid off in which order.

If she doesn't switch majors, and ends up sticking with the one she has, will she be able to get a job she enjoys? Or will she be miserable? How much is happiness worth? There's a lot of factors to consider about switching majors. What are the job markets like? How is she doing academically? What are her plans once she graduates? She has to do what's best for her. This is really her decision, and I do think you should explain your fears to her. But don't make her feel like she has to choose between you and her future. If you are concerned about the debt for if/when you get married, investigate the laws in your states. Some states are common property; whats yours is mine, mine yours, including debt.

Just be careful.