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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Did either kid 1 or 2 get merit aid? If not you are paying 110 annually? With only 150 in the 529? Kid 1 is going to chew through that by graduation. The last child is SOL in comparison, there is no way he can go to private full pay. Is s/he really smart? High schools? An athlete? I only see in state as an option for the third?? How is this fair? Don’t borrow against retirement, take an equity loan or sell the rental [/quote]

DC1 got huge merit after the unsubsidized loan we are paying 38k and she is trying to get a job for summer to help.
DC2 no merit we pay about 42k after the loan also will work summer and trying to be RA
DC3 is very hardworking very high stat (both gpa and sat above 1550) good EC related to her major and other ECs and interested to major CS and to be fair to her we have to pay similar by far she worked very hard in high school.
So the plan. is the 150k for next year but we need to come up for he rest. I don't want to limit the third one only instate if she secures some merit to match the in-state that would be close to 40-50k. Consensus at least so far not to borrow from retirement. [/quote]

good idea will try
DC1 is "Trying to get a job for the summer"?   Your kids all need jobs during summer, xmas break, spring break and any other breaks.  They also need a PT job while at school (10-15 hours/week).  You/your spouse should also consider a PT job to bring in extra money.  You made the bad choice to let kids attend schools that are $40K+/year when you only had that saved for 1 kid yet you have 3.  Another choice is to serious have both kids try to transfer to in-state school.

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Agree with all 3 need to get a job to support, dc1 going to private is paying less than the in state but I see the point you're making is even in state to go to cheaper school. I'm discussing with DC3 Marry Washington would be a full ride for her. [/quote]

And if they have her major (and you are not a troll---I suspect you are), they she should take it.  Unfortunately,  you have screwed your youngest out of the college experience she might want, simply because you gave it all to the oldest 2 and now have nothing left.  So yeah, your youngest would be smart to take a full ride anywhere.

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OP here that is why I'm trying to make similar offer to her as well. I looked into our in state option the minimum for the top in state is 35-45k so at least a good thing for her she got a merit to make it equal to at least to VA tech to a couple of ops schools she selected. So the plan is to finance next year from 529, and come up with financing including loan, job an my whole point posting here is for those with experience to get the best way to do it with what we have. [/quote]

OP, you may want to post this or a version of it on the Money forum. People are pretty savvy over there.[/quote][/quote]

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