Au Pair Part 2

I really hate this going back and forth between places- even if it's just on weekends. It completely throws me off when it comes to writing these things and doing homework.
Anyway, so I decided to tell my mom about the au pair program. For those of you who haven't heard me talk about her won't know that if I ever complain about her it's about how she never gives her opinion on anything.
For example, I have a dream (perhaps a "goal" would be better) to be fluent in French. I took about four or five years of it in school and I feel like it would be a waste of those years to not at least try to become fluent in it. So I decided I would spend my last year in college taking classes again and really try to speak it. However, taking Chinese and French at the same time seemed really daunting but I really wanted to learn. I talked it over with my boyfriend who's opinion I hold higher than probably anyone else's and my mom. My mom is always supportive so I don't know why I always try to get her opinion. She believes I am "impressionable" and therefore is afraid I'll change my mind I guess? I don't know. Anyway she was very supportive. However, when it came down to it I realized I really needed to focus on Chinese because I wasn't doing as well in it as I wanted to be doing and so gave up the plan. About a week later I'm talking to my mom and I tell her I'm not taking French and I'm just going to do Chinese. Well that "just" led to inquiries which revealed my mom believed I was planning on dropping Chinese entirely and picking up French as my major. Which would mean, like, two more years in college.
Are you kidding me?!
Your daughter is about to throw a year of work away when she's so close when she's already so much in debt and you believe she's absolutely crazy and you don't say anything?!
So when I told my mom about the au pair program I was expecting her support and maybe catching a little of whatever she might actually be worried about.
Yeah, that's not what happened.
She flat out said no. I'm not doing it.
Her reason was very good and something I hadn't thought about. Not that I don't believe it is a great opportunity and great experience but she mentioned, among other things, my loans. I have to start paying one loan three months after I graduate. That first bill might be around $200 and even if I were paid the top amount of 1200 RMB (or kuai) for the program the exchange rate would allow me to pay the bill. And then 6 months after graduating I have to start paying off everything and the bill will be higher than that. So going for a year is out of the question. Honestly, going for 3 months might be out of the question, not only because of the loans but because of the program costs! They end up equally between $400 and $500 dollars. In 3 months, at the top pay I'd make about $571. That's barely breaking even- I might as well save that money to pay the loan.
So Mom said no and she was right. The money isn't there. This still begs the question why on earth did she not say anything about two more years of college and therefore two more years of loans?!