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[quote=Anonymous][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]

Have your kid apply and get in and then see. Top 20 schools have so much money to give out. My kids went to top 20 schools, and they were much cheaper than our in-state option with all the money they received. [/quote]

Sure have them apply. But PLEASE set the financial expectations for your kid before choosing where to apply.  Make sure they have several Targets and safeties that will actually be in budget for your family.  Make sure the kid knows that even if they get into a REACH (T20), if they don't get FA/merit, you can only pay $X K per year, so they cannot attend if it's more.  But seriously run the NPC and if it says "you need to pay $90K+" and not eligible for FA, then make sure your kid knows it's a pipe dream.  Because why even apply if you know 100% you cannot afford it?!?!
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