Are you willing to pay or loan for the expensive ivy or top 20 schools instead of cheap state Univ.?

“I am just saying that top privates are not populated solely by a bunch of rich students.”

Well when the average income or wealth of selective privates is at $500K, the college oozes wealth, there is no doubt about that. All the students aren’t wealthy of course but the wealthy students basically subsidize the rest of the class.