See - another school - that - you are picking subs - but subs that are highly unlikely to hit price.
He snickers at Alabama (he’s wrong - if he wasn’t 1500 kids from Illinois, 2K from the NY/NY/CT area, 2K from Texas, over 1K from CA - wouldn’t be going there. They go because they are “bought” and you have a student who has the chance to be bought.
Now - IU is known to have a great music school - and for psych, your kid is an easy in - but at $45K - hmmmm - no - not an easy in. And don’t forget travel costs, etc.
Go back to my list above - what you need to work on is - who will absolutely hit $45K (and don’t forget travel, ubers, spring break, greek life, etc) - that is a 100% absolute admission.
That’s not IU - could it get there - long shot - and it’s certainly not Wisconsin.
Now if you said Michigan State as a sub - better odds but not assured. Miami of Ohio - better odds - but not assured. Even OSU as possible.
But these are not definite.
Now - Florida State, Mississippi State, Nebraska, K State, Bama, UAH, UT Chattanooga - these types are highly likely to hit price.
When you seek an absolute max price - you have to disconnect pedigree.
Again, if you say - well worst case he’d be ok at UNCW or UNCC - then you can forget the entire thing - but if he would not be - that’s where you need to have him lose, for lack of a better word, the pedigree silver spoon and follow the $$ like so many do.
But I’d also be checking the music requirements to ensure he can study music (some may / will require an audition).
There are, btw, some LACs - a Depauw, Allegheny, Kalamazoo, Beolit, Rhodes, some in upstate NY like a Clarkson that could realistically come in at budget. …they need to buy kids in to have a class.
Or publics like New Paltz, Geneseo, Truman State, CNU and many more (including UNCA) that will certainly make budget.
It’s hard for a stud kid to say - I see myself there at a school that isn’t high in the US News publication.
But that’s where you have to be firm now and say - I know IU is a fine school (for music) but I can only afford this - and there are other costs and while it’s likely you’ll be in at UNC, what if you aren’t? What is the affordable plan - and here are some schools to look at.
You don’t want to be the family - he really loves IU and it has a great music program - but I can’t swing $55K and he sort of bends you into it.
And sorry - he’s majoring in psych - i’m not sure UNC is necessarily any better than any other state university - they’ll all have strong faculty and research opportunities.
But this is the time where mom/dad need to plant a flag - if it’s true that $45K is max - and you can’t spend a penny over. If you’re flexible, that’s different.
Trust me, you’ll be happier later that you did.
Good luck.