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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Do/did yours? How did you upper middle class parents have this conversation with your kids and each other?  DD wants to go out of state, kaching$ another $20 grand plus travel expenses each year for her and us parents to visit her.

My husband is delusional by telling me DD can go where she wants to go or can get in. He leads her on. He’s trying to be encouraging for her to do well enough to go.

DD is only a sophomore, in 2 years college will probably increase another 25+%.  DD is a home girl, close to us, has anxiety and some depression issues as it is.  I don’t want to pay for emergency flights for her to come home too. Our state U is huge where I wish she would go but she’d be better at a small school. Private schools in state are just as expensive as out of state these days.

If financed carefully, we could wing it with loans/cost for our two kids but i don’t want to be pinching it in my senior years/ we’re older parents. We are considered “affluent” status - on the ‘outside,’ as i don’t see financial aid coming in.😕  panicking already.
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It can work out with financial aid, loans, and grants. It worked out for many people I know. Money and loans are there. You need to do the work. I know a family that lives the high life multiple homes etc... and made their kids turn down top top colleges for state schools. It is selfish. They could have toned down their lavish lifestyle for their kids education. There is always a way to make it work out.[/quote]

Absolutely not.

Going OOS by using school loans is 1000% wrong financially.
If a family has a lower HHI and can not afford even instate tuition at a 4 year school community college then instate four year. Nothing wrong with that. Better than loans

Same with someone that does an instate 4 year without loans.

Loans are not the answer. Unless one can not afford college at all then loans but instate community college to a four year.

The idea of college is to get out get a job. and start life not being in debt.

If they want debt maybe grad school that depends on the major.

No one is being held back by going instate no one.

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