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[quote=Anonymous]OP, are you a public school teacher? In Montgomery County Public schools, with a master's degree, it looks like you may have just 8 years of teaching experience, if so. Is that correct?

https://www.montgomeryschoolsmd.org/siteassets/district/departments/ersc/employees/pay/schedules/salary_schedule_current.pdf

The quickest way to salary advancement for me as a public school teacher was to take as many graduate courses as I could (reimbursed by the county I worked for) and move my way up the pay scale to MA+60, then add National Board certification (again - reimbursed by the state/county).

If you took 5 years to work up to MA+60 + NB certification, I think you would add at least $30,000 to your current income. It would be work, but once you got to that level it would then be passive income, unlike tutoring right now.

As for your daughter and college - start NOW talking about community college. ANY MD high school graduate can qualify for $5000 grant for community college if they have a 2.3 GPA in high school.  In county residents pay $203 per credit and full time for the year would be 30 credits.  That's $6250 for tuition per year, so a $5000 annual grant would definitely help with that.

https://mhec.maryland.gov/preparing/Pages/FinancialAid/ProgramDescriptions/prog_MDCommunityCollegePromiseScholarship.aspx#:~:text=The%20Maryland%20Community%20College%20Promise,at%20a%20Maryland%20community%20college.

MCCC has transfer agreements with many 4 year colleges so your daughter could be thinking about what she wants to major in and prepare herself for a transfer.

https://www.montgomerycollege.edu/academics/transfer/agreements-and-information/by-major-or-area-of-study.html#list

In particular UMD has a special community college transfer program, and students  can take discounted UMD courses in summer and winter terms to help cut the cost of the last 2 years further.

https://admissions.umd.edu/apply/maryland-transfer-advantage-program

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