I think that this particular issue (collegians and the "what to buy" and "can I afford it) is why we have kept our options fairly limited (no bling, only options that change the price are what type of gold/silver or what type of pearl.) The price is somewhat controlled that way.
As for myself, I'm rather glad I opted for the highest quality gold we offered (thanks dad!) Some of my sisters' badges flaked and looked really dull 6 years out because it was plated/fill.
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