UFRaw is free; I use it for all my RAW conversion. Works stand-alone and as a plug-in to the (also free) Gimp.I just purchased a used D90 for my daughter. I do not want to give up my copy of Capture NX. What is out that is relatively inexpensive for a college student? This will be a hobby camera for her. She has a copy of Adobe CS3 she used for an art project in school but it will not run on the newer Microsoft computers we have. I mention this because I wonder if student discount and upgrade is worth while.
http://ufraw.sourceforge.net/
http://www.gimp.org/
Eric
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http://www.lumenssolutions.com/