We aren’t eligible for much FA (when we had 3 in at once some of the federal loans were subsidized), and there is no way we can afford to pay what FAFSA determines what we can afford to pay. Therefore, it’s either in state or attending a school that offers enough merit to bring costs down to in state. Many middle class families are in this boat. We have thousands in medical bills not covered by insurance (high out of network deductible, actually high in network too but we meet it mid year), mortgage, two in undergrad, one in grad, eight years away from retirement. It means many colleges were off the table from the start.
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