Colleges treat home equity in varying ways. Some colleges don’t include it at all. Some cap it, but in varying ways. And some assume this is available as a means to fund college. We all know that home equity loans have become more difficult to get. And really, I would NOT suggest a family get more loans against their home to fund college. That’s not a good plan, in my opinion.
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Correct. Equity. Zillow minus remaining loan balance.
A Princeton would hit but unlikely any of the schools recommended.
If you want a reach, then you can check Amherst, Williams, Brown, Cornell, Harvard. They may or may not hit $20k. They’re not happening but if they did and you knew they hit cost.
If this third party is correct, check Hamilton and Ursinus.
Guessing no where is coming $20k though.
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Yeah I think I know what my best choice is.
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Just to recap I think with all the NPCs my best choice would just be Rutgers.
@thumper1 I checked your thread out thank you, I got an idea of a second plan (leaning toward PA).
If I could close the thread I would do it now, but apparently I can’t.
Thanks guys for the advice
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Keep it open til you decide…after all, you’ve still not gotten into Rutgers although I’m confident you will.
Let us know where/how you end up.
We’ll want to know where you’re admitted and where you choose to go. 
We’re rooting for you. 
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Honestly I think I’m going with the CC and then transfer to Rutgers method.
That would be the best financially, and no one cares if you go to cc (i think)
I’ve kind of accepted reality, but idk if I should even do my other bsmd apps now. I got like no motivation for TCNJ, sophie davis, FDU
All that matters is what you think!!!
You have some apps out - you’ll see what happens.
It does sound like, from what others said and I’ve read, you can go CC to med school but maybe not as easily.
You should be pumped to do everything. No matter where you end up, you need drive and initiative. If you don’t have that, then I worry for your overall future - because you’ll face many mountains.
So stay laser focused on your plan…and if you find other things (like the Troy opportunity), take those too - not to mention W&L Johnson.
But if you end up at community college and I don’t know the save vs. Rutgers, you can still do well.
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At least finish the TCNJ one - you’ll have regrets not trying.
What about the Johnson at W&L (for instance)? That should definitely motivate you 
Once you have your decisions, you’ll make a choice among different opportunities. Don’t make a choice to give up now and deprive yourself from these opportunities.
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I thought you and your parents had figured out a way for starting at Rutgers? Is that not as feasible anymore ?
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We did, but I’m considering MCC too since its cheaper.
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Yep still trying for that, planing on finishing that and sophie davis during thanksgiving break
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If you do go to CC for your first year, would it work to start summer after you graduate? I believe that some students can start CC for the summer session, and then Fall and Spring and the next summer and transfer to a 4-year college as an incoming junior, but only one year later than they would have started, due to the 2 summers worth of credits. You might see if that would work for you.
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Also, if you start at CC, I believe you can still take the federal loans that you would be entitled to for freshman and sophomore years, even if you don’t need them to pay for CC. You can save them and use them to help offset the costs for junior and senior year. You would need to do this pro-actively, as once you are past freshman year, you can no longer borrows those funds.
@kelsmom – is that correct?
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Or if OP pays for CC, perhaps his parents, having agreed to pay for half of Rutgers, will pay the full amount for the two years.
But…OP has two younger siblings who will be starting their freshman year of college when the OP is a junior (unless OP can accelerate his time in CC and transfer to Rutgers after a year, as outlined above).
I am concerned that with three college tuitions at that point, that finances may be even tighter. OP—have you talked to your parents about what will happen financially when there are three of you in college at the same time?
For a premed/pre-health student, the summers may be best utilized by taking open-enrollment classes at Rutgers rather than at the CC, to cover the highest-priority prereq classes that med schools prefer be taken at a four-year… but in terms of pacing, the effect is the same.
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Oh, great idea! @Kingo, I hope this is something you can take advantage of!
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However premed classes are very tough on a semester basis and compressed into 6 weeks might not be feasible at a premed-gpa level and with enough depth. 
They might work for the general education pre-reqs like psychology, sociology, the Spanish bridge class to take Spanish for medical professionals, etc. though?
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@kelsmom can clarify…but what I think this means is…you would take the federally funded Direct Loans for your two years at CC, and NOT use them (if that is possible), and put them in the bank for use further down the road.
But this would mean that you would need to be able to otherwise pay for your CC courses.
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