What is the woman’s main problem?

W: Are you going to find a job again this summer?
M: Yes, of course. Otherwise, how am I going to pay for the tuition fees in the fall?
W:(5)I am thinking of working, too, but my folks insist I have to spend some time with them during the summer. You know, I haven’t seen them for two years.
M: That’s bad considering you are only an 8-hour drive away from your hometown. Why haven’t you been home for so long?
W: It’s not that I didn’t want to go home but because(6)my parents were volunteering in a charitable organization in Central America for the last couple of years.
M: In that case, it’s more about the reason you should visit them in the summer.
W: That’s true, but I didn’t want to spend the whole summer staying at home. I want to make some money and pay off my tuition fees, too.
M: Well, you can always get a loan.
W: Loan?(7)I hate the: idea of borrowing. I would rather make my own money and pay it off.
M: That’s true. It’s not uncommon for people to have whopping bills to pay once they’ve graduated.
W: Yes, that’s exactly what I didn’t want to get myself into. What do I do about money?
M: Well, you can work part-time when you are at home. There’s no need to think of this as a dichotomy.
Why not do both?
W: I was thinking about that but my parents think I should be at home with them full-time.
M: Well, I think you do have to make a decision then.