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[quote=Anonymous][quote=Anonymous]The time to discuss financial realities with kids is beginning of 10th grade.

If Pepperdine is not an option, they should know that right at the beginning. If Alabama is offering full rides for bright students, they should know that. If Princeton meets all financial need, they should know that. If State U is manageable, they should know that. If Colby is a dream school but not remotely possible, they should know that. If they have siblings, and everything needs to be fair and equitable, they should know that. And if it's merit or community college, they should know that.

Kids are remarkably adaptable and focused when they know the parameters. And they know what they need to do to go to where they want to go. Tell them what's what with what you can afford in 10th grade. And then explain merit. And list the 30 or so schools that meet all need - provided they can get in. Assure them it's all going to work out, but ultimately, the options will be up to them depending on how they perform in high school. And the better they do, the more options they'll have.

When kids feel like they are in charge of their destiny, they do better. But they need to understand the parameters. There aren't a lot of families that can drop $800,000 on two kids going to middling private colleges.[b] But everyone can go to MIT if they can get in. [/b]

Kids - families - need to understand the game, the costs, the barriers, and how to play the game. [/quote]

Um, no.[/quote]

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