Confused about how much he will have to borrow

[Sarrip]

@mommdc

@Sarrip I agree with @thumper1

If your D has a tuition and fees scholarship, then your only cost to the college would be room and board

So if that is $14,000 (unless there are less expensive room and meal plan options), then she can get her $5,500 student loan and you would be left to pay the remaining $9,000 or so.

Then she can get a summer job to help with books and personal spending, and maybe a campus job.

You don’t indicate whether you qualify for Pell or NJ TAG, that would cover probably another $10,000 of costs for a $0 FAFSA EFC student

@mommdc - thanks, I tried not to say much because i didn’t want to get accused of hijacking the thread but we do not qualify for aid and honestly want to keep loans off the table if possible. As nice as it would be to keep the costs down, this is still within budget for us but we will continue to see where we can cut corners…