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[quote=Anonymous][quote=Anonymous]I can’t afford a top school for DD unless I spend my life savings, which I’m not willing to do. 
But I’m sad that she worked hard in high school and can’t apply to anything that will cost more than in state. 
Her friends are applying to ivy schools because they qualify for financial aid and they can afford to go there if they get in. 
DD could likely get into a top 20 school but wouldn’t get merit aid there. 
Just a vent. [/quote]

First, recognize it's never worth going into massive debt for college.

Second, of course T20 schools don't really offer merit, so if you won't get FA, know that going in.  Find a great list of schools in the 25-100 range that will offer merit and apply widely and search for merit.  There are plenty of privates that will give kids qualified for T20 schools excellent merit.

Most people are in this situation.  If you didn't/weren't able to save you dont' pay 90K/year and trash your retirement and/or you and your kid's future.  You go somewhere that costs only $30-35K and call it a day.

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