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[quote=Anonymous]We are middle class and do not qualify for financial aid. FAFSA says we can pay $38K. Ha. I don't know what they are talking about!! Honestly. We can pull off about $22K, which means in-state or merit aid at privates. We cannot spend all our hard-earned savings to send our child to college, and we will not allow our child to have huge loans, even if the college offers them. No way.

DC is smart, but we have four kids, so spending all of our $$ to send DC to a nice SLAC (think Swarthmore, Bowdoin, Williams), would mean the rest of the kids will need full scholarships to go to any school, even in-state. Not going to happen.

DC is going to have to get merit aid at lesser schools (yes, they do offer merit, but not the competitive SLACs similar to the ones I mentioned above), or go to our state U, which is too big, and not appropriate for DC, who is shy and will surely be overwhelmed there.

College just costs too much for middle class families, except for in-state tuition. And even that can be steep for middle class families with a bunch of kids.

To the OP: If you feel you can pay full freight, then do so at the school that your DC likes best and you think is the best for for him/her. I don't think it's a matter of value. If HYP is not the best fit for your child (and none of them would fit my DC), then paying anything to go there is a waste of money.

I would not pay $62K to any college on principal, but I don't have the money, so it's a moot point. The cost of college has skyrocketed, far faster than the cost of living. Why? Well, look around at all those expensive buildings, those pricy professors and all those college graduates staggaring under the weight of those $100K or more student loans they took out. That part-time waitressing job ain't even going to pay the interest on those loans! Many college graduates, including Ivy League grads, do not have jobs when they graduate and remain unemployed or underemployed for a long time after they graduate.

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