If you're worried about money, focus on getting scholarships. I have to think that if you make a go of it as a quantum physicist, at some point you will get fellowships or grants to continue your work, and will at least be able to live decently enough. Regarding school debt, does it matter much if you're doing work in an area you love passionately?
Grad schools for physics pay you, rather than having you pay them. And as a female, if Mia is any good she'll have her pick of jobs afterward. But none of the jobs pay all that well, except maybe MIT.
