mentioning the cost of an instructor who needs to pay off student loans.
There is no correlation.
But you did bring up the subject in a simile and o pointed out there’s a complexity in your cause you made you haven’t diagnosed.
However if your case is the cost and not getting the best for your daughter you should choose another tutor. Also, 15 hours a week with a music instructor?
3 hours is considered a lot, unless your girl is a prodigy.