I remember when S17 got into Ramapo. I was shocked how high the estimated costs were. He ended up at Rowan full pay. I’ve found costs much lower than they advise. But room and board is expensive - probably about $15k freshman and sophomore year. Books have been much lower than estimated.
What has saved us is moving off campus - I don’t know if Ramapo has great options in that regard. S is off campus in a 2br 1 ba with 1 other kid for under $500/month - and they offer 9 month leases. Renewing for next year gets us another discount off rent. Monthly utilities are under $50. And he works all summer so saves enough to pay for his food and social expenses.