Nancy:
The following information is from the September 1938 Official Guide of the Railways.
New York Central Train 22, the Lake Shore Limited, departed Chicago La Salle St. Station at 5:30 p.m. Central time and stopped in South Bend, IN (its 3rd regular stop) at 7:20 p.m. (that's the departure time). The LSL carried a dining car from Chicago to Toledo but if your character was frugal she would have eaten beforehand; at that time one could purchase a good dinner in a cafe for fifty cents but in a dining car you would be looking at 75c to a dollar for an equivalent meal. There was also a lounge car with a buffet-kitchen serving drinks and light meal items but it was probably reserved for first class (sleeper/parlor car; the LSL carried both) passengers. The diner, however, was open to all. The LSL arrived Toledo (where the diner was removed) at 11:38 p.m. and continued east to Buffalo, its 12th regular stop from South Bend, arriving at 5:37 a.m. There another dining car was attached to serve breakfast and lunch; this diner would stay on the train all the way into New York City. The train would pass through Rochester at 7:12 a.m., leave Albany at 12:30 p.m., and arrive Harmon where the engine swap Mr. Harris refers to would have been conducted at 2:33 p.m. The train would then be electrically operated on into New York's Grand Central Station, arriving at 3:30 p.m. Eastern time. (The switch from Central to Eastern time would have occurred between Waterloo, IN and Bryan, OH).
The Lake Shore Limited carried what the Guide refers to as "Deluxe reclining seat Coaches" between Chicago and New York. There was also the aforementioned dining cars and lounge car, as well as several sleepers; a couple of the sleepers were bound for Boston while some of the others came from Cleveland and Cincinnati. For the daytime run in New York state a couple of first-class parlor cars joined the consist, as well as a sleeper being operated as a parlor car.
I do not have detailed fare information from the period but if you estimate two cents a mile for coach you will be in the general ballpark; by that yardstick the fare from South Bend to New York City would be $17.51. A lower berth in the sleeping car would have been slightly more than double that cost, an upper berth slightly less than double. By comparison, a middle-class professional man with a good job could expect to take home about $100...
a month. George is right; travel in the steam & steel era was not undertaken lightly by those not on a company expense account.
I hope this helps...and feel free to stop on by
Streamliner Schedules sometime!
--------Eric H. Bowen