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The only reason to go college is intellectual curiosity. In my opinion, too much focus is put on the supposed economic benefits of a college education. Sometimes those benefits are real, sometimes not. For example, no one can argue that being a teacher or social worker, professions that both require at least a B.A. and increasingly a M.A., is a way to make a good living. You could do almost as well with some other job that does not require a college degree. However, no one would argue that being a teacher or social worker isn't noble and rewarding for many of those that are so inclined. Our society has simply become too materialistic. A satisfying, fulfilling, and useful life is what we all crave.
The letter writer should get her MFA, practicality be damned. Submit your portfolio to the school and see where that leads. You husband's signature is not required on your application.