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Message: [QUOTE="HuskyHawk, post: 4746338, member: 1414"] Nobody who gets into Harvard should be at Community College. Anybody who gets into Harvard would get major merit and financial aid at next tier schools. Harvard is free for anybody under a certain income. The point is, if you can't pay, [B]move a tier down[/B] rather than taking out loans. They'll give you aid. Or go south-midwest where you get more for your $. Or both. If you're middle class, with a very smart kid who gets in to say, Tufts or Wesleyan, but gets no aid. Maybe $200k+ in loans is needed. Going there is stupid. UMass and UConn would be happy to take that kid. Many other privates like Fairfield would shower them with merit aid. Schools like UVM, UNH and some southern publics would cut their cost way, way down to land that kid. Maybe waive tuition. If you are going to the best school you got in to, and paying, you're paying too much. My kid did that, and I am paying too much. [/QUOTE]