I am a teacher with 25 years experience in NJ, and I make $90. My husband’s income is $140.Nj has a high COA, but we have been very frugal, live in a small house bought (luckily) before the prices skyrocketed in the 90s. We can just pull off college for out 3 children, will the help of merit grants. Our kids choose their match schools, not reach schools.