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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]How does one :

#1. Not make enough to qualify for aid, but yet not have any money to pay for college?
#2 have a low mortgage and still can’t swing it?

What kid of parents does this to their kid and starts them off in life with a mountain of debt? So freaking irresponsible![/quote]

We do have money saved to cover some college costs. We just can’t cover everything for OOS tuition.

It’s not like our HHI has always been what it is today. (Think: nonprofit salaries. Heck, I started out at $44k in the early 2000s.)

We didn’t have family money. Nobody helped us buy a home. Daycare is expensive. Life is expensive.

Who knew privileged people were so openly hostile and judgmental? While I’m not looking for a pity party, this thread has been very eye-opening.

[/quote]

Many of us have similar situations and we still managed to save the entire amount for a state school and taught our kid's common sense and college costs.  I made less than you in non-profit work and still managed to save.  Some of it is about life choices.  No one has ever helped us...even in a real emergency and we've also paid for an SN child's private therapies and supported an elderly relative.  Not all of us have privilege.  We have our priorities.  We take a vacation every 4-5 years at best, drive older cars, DIY our homes, buy small fixer-uppers in less desirable areas, eating out is Taco Bell, etc.  [/quote]

[b]Your family sounds about as exciting as Mike Pence and his fam.[/b] OP, don't let these classless clowns get under your skin.

As Mike Tyson once said, "Social media made y'all way to comfortable with disrespecting people and not getting punched in the face for it."[/quote]

Why the need for the political slur?  Seriously, you folks were supposed to be working on ending divisiveness.  There is no need for that.  Take it to politics.

and the pp is correct.  This is all about life choices.  The OP wasn't clear - as every parent should be - at the START of the college tour process - of telling their child exactly what they could afford and not afford.  Every single college counselor will tell you this.  Then tour ONLY what you can afford.  It is cruel to dangle a $84K a year private slac in front of your child if the family cannot afford it.

Then, when all the applications and responses are back, you compare financial packages. Did you get any merit? How do the private packages compare to the in-state?  You, as a family, make a sensible decision that is affordable.  In our case, our FAFSA efc was 100% and we received no merit from top schools so we were full pay for both kids all the way.  It was a struggle but we did it

One of my friends took her DD to their financial counselor so the financial counselor could lay it all out and explain to DD that the family could not afford X, a private school, but could afford Y, in-state public.  And that's where she went.  By taking her to the counselor, it took the heat off of mom.  A good approach.

You do not get into a situation like OP is in, which means her kid must come home, do a gap year or transfer to in-state public (which she needs to start the paperwork for now).  We haven't even heard if OP can afford in-state public.  [/quote]

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