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[quote=Anonymous]Every child is different. And they are all maturing at different rates. Some 16 year olds are incredibly focused and mature, and others need constant hand-holding. Most are somewhere in the middle, and changing all the time.

Cost is such a huge factor, especially in this area where many people with a reasonable lifestyle have too much money to be offered financial aid, but not enough to pay the $60K price of private colleges or OOS publics.

We're in that boat, and we've had to be very clear with our kids about what we can afford. They still don't get it, though. DC#1 went to her last choice college because of cost. She didn't get enough merit money from the colleges she wanted to attend. With DC#2, we've limited the colleges he can apply to to ones we can afford.

We will not allow our children to take out more than $5k in loans per year, which rules out all private colleges, even those that offer merit aid. It's crazy to let your children take out $20K per year, absolute insanity. No college, HYP included, is worth that much debt.

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