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<p>However, it appear that the OP and OP’s mother have not had the money talk, given that it is a “touchy” subject at home, and most of the OP’s descriptions seem to contain assumptions, rather than reports of what the OP’s mother clearly stated (e.g. “price limit is $X”). The talk also needs to clarify whether the OP’s mother has other non-financial reasons for wanting the OP to stay in-state (it seems fairly common for parents to want the students to stay close to home, even if the further away school is less expensive).</p>