100% correct! I was going with what the student had said but should have taken a step back: indeed, she has no need for a Master’s - if she wants one, hopefully after working for a few years her employer will help pay for it 
So, the 200k could be divided into :4 = 50k per year, plus 5.5k federal loan.
@skylarblue : do you have a part time job? Are you saving your wages toward college?
It’s understandable a person of color wouldn’t want to go to WV or AL, not due to its university but because of the State - that being said, how Iowa State fits into this is puzzling.
Btw, I think the novel *Moo* is based on Iowa State.
And you MUST have two affordable safeties so you have to choose two affordable places you’d be okay with.