<p>WoW, 30 pages since I last read the thread! </p>
<p>For BHG, we’re only looking at privates, except for her safeties. This is our 2nd go around. My son went for the money–$30, 500 in merit aid to St. Olaf, here in MN. We made the mistake of allowing him to apply to all top 20 CSS Profile schools that do NOT have merit aid, or only token amounts less than $5k per year. Our hh combined income proved deadly regarding need based aid, and NPC’s did not exist in 2009. </p>
<p>BHG does not have our son’s stats, but we saved enough that we can pay costs out of savings and current earnings. We also live frugally by choice. Both houses paid off (ex-H and me), paid off vehicles and low credit balances. </p>
<p>BUT, ex-H set a limit, and there are no Rolls Royce schools on BHG’s list, for example, Sarah Lawrence College has a COA of $64, 748. I’m not even going to entertain BHG with the notion her father would pay $65K for her undergrad when she can gain a similar experience at Evergreen State College for 1/2 the price and one He’d happily pay, or Beloit College’s COA is a total of $50, 400 for EVERYTHING and is within 3-4 hour driving distance. </p>
<p>Ex-H capped the COA (tuition, fees & R/B), and any CSS Profile school BHG wishes to apply to must be under that cap so there is no possibility of a gap. Any gap after need based aid and what we’re willing to pay, BHG must explain how she’ll make up the difference via wages and Federal Direct Loans. She knows that just because we could pay ful-freight, there is no way in h3ll that we will do so. If that does not cover the “gap”, she cannot apply–why waste money on the application & submission of scores. We go through every school’s NPC with her and discuss costs so she gets the full picture of what it will cost us to send her to a good college. Her father told her that just because the NPC’s state we can afford $X, he is NOT paying that amount when there are other less expensive options, especially since BHG plans to attend grad school. We must use her 529 frugally.</p>
<p>Her list reflects this. </p>
<p>Her financial safety schools include our in-state LAC (UM-Morris–nationally recognized public LAC), U of Winnipeg(my state has reciprocity), Goucher, Knox, and Evergreen State College (ESC is similar to Hampshire, Marlboro, Bennington & Sarah Lawrence colleges). BHG has a minimum of 80-90% chance of getting into these schools. UM-Morris is 100%. We know BHG’s going to college–grin.</p>
<p>BHG MUST cast a very wide net as she’s lopsided with test scores and GPA, and will apply to 14 schools. BHG already have a tentative match and reach list, but like Celeste mentioned, BHG, needs to review the coarse catalogs to make sure the classes appeal to her, and that there are at least 3 majors interest to reduce the need to transfer later on if she wants a major not offered at the school, but is at one passed over. </p>
<p>BHG’s list did not change much, just greatly reduced down to 14 schools. Which means. she is most likely done with the search. She also needs to visit 5 of the schools, which we’ll do over a couple of long weekends and during spring break.</p>
<p>Tuition, fees, room and board must be below my ex-H’s CAP ( we do not include books, personal expenses or travel in this figure as my mother will pay these costs thru me just as she did for my son). Since I am divorced, BHG will apply to a number of FAFSA only schools, as she will qualify for need aid based on my income, as my ex-h’s income and assets are not taken into consideration at the majority of FAFSA only schools–most do not require any type of non-custodial income/asset documentation since we do not live together.</p>