<p>mdf, I spoke with someone in the financial aid office when my son was deciding too. She told me that she had worked at JMU for 4 years, and she saw the increases (I am only talking about OOS) at 6% each year. I cannot tell if you she was talking about tuition, and R&B, or if she was speaking only about tuition. We found the increase significant from year 1 to year 2, but we did not feel the pinch because we only took out the subsidized portion of the Stafford ($500 was offered as subsidized in year 1). In year 2 our efc was lower and we qualified for a subsidized Stafford, and we over paid a few hundred in year 1, so our out of pocket costs went down. For year 3 our efc has increased, so we will not be offered a dime. Year 3 will be painful, with or without the increases. I am only telling you our situation so you can all see what you have to look forward to.</p>