<p>OP - Ideally you would have understood financial burden of Penn State earlier. Know that lots have families have gone down your path. Your thread will help parents of Juniors plan better… set caveats. </p>
<p>At this point, it is unfortunate that your D is set on a school that is unaffordable. You still need to make the fiscally sound decision. $80k is too much debt.</p>