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College and University Discussion
Reply to "2025 & 2026 donut hole families"
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[quote=Anonymous][quote=Anonymous]I’m a single mom making $190 and consider myself donut hole. Only have been at that income level for a few years which was also the time I spent caring for my mom (financially and physically) through cancer. I can’t afford full pay but can cover $20k a year without loans. Kid is thankfully deciding between schools offering full rides and COA of $25-30k. If he chooses the $30k option I’ll make it work. I could never full pay a school like USC.[/quote] And your kid can easily take the ~$5.5K of federal loans each year and work summers/breaks to earn the rest. Then you can choose to help with those federal loans if you are able once they graduate or they can easily pay those off---it's only $27K There is no need to go into debt for college. At your income, you should not be paying $90K, unless you managed to save it prior to college (and not scrimp on your retirement plans either IMO) [/quote]
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