Something I forgot to ask earlier. Have you factored health insurance costs into your estimates? Pretty much all colleges require you to provide proof of health insurance with good coverage in the area where the school is located, and a deductible that isn’t too high. They make you purchase the school health insurance if you don’t have that. It can be a couple thousand dollars a year, it depends on the college. The net price calculators don’t usually mention that, and scholarships don’t usually cover it.