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[quote=Anonymous][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]

So have this conversation with them when they start high school/ start thinking about colleges.[/quote]

We did, but DC came  up with different arguments like the state university is high school 2.0 and it is too big.
[/quote]

You are the parent---you simply tell your kid "We can afford to pay $X per year for college.  Anything else is on you.  No we will NOT be co-signing any loans.  Now lets do some research and find the right fit for you schools that are within our budget and how much you will be able to earn with a summer job and jobs during all your breaks, so we can see what we can afford as a max and go from there.  Oh, and look at these excellent private schools just a level below T25 who give excellent merit...maybe we can make these work if you work hard and get good grades you might get good merit as they actually award merit to top students."

Serious, this should not be the first time you've had the "living within our budget talk" with your 16/17 yo.  [/quote]

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