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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Why not use the state school option?[/quote]

A lot of middle class do it.
But the conversation with your teenager is not going to be easy.
Kid: I am so excited to be accepted to my favorite and top college in the country.
You: We can’t afford 80k a year, instead you should go to state university.
Kid : So, tell me why I was working so hard in high school?
You : Well…[/quote]

Your kid isn’t getting in to the Harvards of the world (neither is mine).  But if a/he got in, you would figure it out.  84% of students accepted to Harvard accepted a spot there this year.  There were some that chose other schools but it is unlikely that many kids got in who decided not to go because of the cost.  The data doesn’t support this. [/quote]

Because many parents know they will be full pay and do not allow their kids to get their hopes up and apply to schools that would be unaffordable.  If I made $300K and only had $25K/year saved for college, I'm smart enough to know the T25 schools are not giving merit and definately not giving me financial aide, so the only choice is for me to pay it.  Since I'm not willing to do that, I have that talk with my kid during 10th/early 11th grade so they know what we can afford and that we have to pick schools accordingly---don't let them fall in love with something you know you can't afford.    That is why most matriculate at Harvard---thousands of kids simply do not apply because they know it's unobtainable for them financially.[/quote]

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