<p>Based on OP’s #15 comment</p>
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<p>OP has to pay tuition/r&b if OP’s D decides to go to private/out-of-state/in-state school anyway unless your daughter gets full ride or some scholarship. Otherwise this $100,000 debt comparison does not make sense to me.</p>
<p>My S got little scholarship/no aid from UNC CH. He needs to pay around $14,000 plus $5,000 loan. My D got financial package from Duke. The total cost was less then went to UNC CH. She also got scholarship from other public school and scholarship from ROTC but she chose Duke at the end.</p>
<p>In my opinion, high school senior is old enough to know family finance situation. The decision should be based on the understanding of whole family members.</p>