@Calliemomofgirls thank you for your thoughtful response. I like your approach very much, and it is something I will work on trying with my daughter. Currently, we are looking at a difference in $40,000 per year, which surely is like Monopoly money to her, but would definitely impact the rest of the family. I think she ultimately will have to choose between the schools that are less affordable, and we will hope that she won’t always have “what if” thoughts.