My son was accepted CSE and in majoring in physics. He is instate and received the Iron Range scholarship. I am upset in retrospect because our school doesn’t even offer the PSAT and so he had no chance for some of the larger scholarships. The parent loan pricetag was $15,000 and we have 5 kids and are both teachers! He will be graduating with an AA degree two weeks before he graduates high school so he has only a little over 2 years left. It made the decision to turn down the half tuition scholarship at UMD a little easier. Yes, he will have more private loans (no way we are affording $15,000 a year) but will still have less than most of his counterparts.