Re: save
Community college is not free, but it is a much lower-cost option than most four-year colleges. When I went to school, you simply paid for an entire semester at a four-year college, and could take as few as 12 credits to be full-time (usually four classes) or as many as 21 credits (usually seven classes) with no change in fee, so I don't know why it saved her money. Perhaps she knew she was going to have to take a few more classes outside the regular semester, which she would have paid for individually, and those are usually quite expensive. You might have to do this if you change majors (your program of study) and have to make up some courses. I never took any summer classes, even though I changed majors twice.
Note the author said "waitress." That means she's female. Change your "he" to "she."
I'm not a teacher, but I write for a living. Please don't ask me about 2nd conditionals, but I'm a safe bet for what reads well in (American) English.