Reply to How do most middle to UMC families pay for college?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Life in the donut hole is brutal. Oldest went to Honors College at state flagship (small scholarship), second went OOS with large merit scholarship.  Who knows what the third will do.[/quote]
The donut hole is a myth created by parents who did not plan well. College isn’t exactly a surprise.  You have two decades to save.

It’s the same for retirement. [/quote]

Not everyone has money leftover each month to save. I really didn’t make ends meet for years and when I did, I didn’t have money leftover to save. [/quote]

Then you attend state u or any school that gives great merit and that you can afford.  Or your kid lives at home does cc then onto state u.  There are many ways to do college affordable.  It just might not be 90k per year private schools.  And that's a choice you made not to find a way to save.  But the other 95% of universities can be affordable [/quote]

That's not necessarily true and maybe you had family support and she did not.  My husband didn't go to college directly and did a few classes at a time via military.  I don't recommend it.  He was on his own living with friends, etc, bouncing around since he was 16.  His mom was a lovely person but in unstable abusive relationship during his childhood and staying wasn't an option.  He had zero support to help him figure out college and his ex pressured him to marry young as did her parents.  You were lucky.

However, there is even financial aid for community college so I'm not understanding what its not affordable.  As a parent, I'd have my kid work 10-15 hours a week and I'd get as many jobs as I could, even delivery or uber to make sure we could swing college.  However, if you are that low income, apply to four year as there is more financial aid.

He does live at home and attends CC and it still isn’t affordable. Not at all. The only way to make it affordable would have him graduating in appr. 10-12 yrs. [/quote]

How is cc not affordable?   He could work 10 hours a week or so to help. [/quote]

A lot of people make excuses. I had a mix of loans, grants, scholarships and work. I went to grad school on loans.

We had a woman in our office who was trying to finish up college. She often spoke about affording college and I knew she thought I could not understand. I grew up in a worse situation than her. Difference is that I went to college and finished while she continued to take 1-2 classes while working. It would have been better for her to take the loans, graduate and get a higher paying job.[/quote][/quote]

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