I want to wish you luck. You sound like a very mature young lady and I wish you the best.
Greek life is kind of big on campus. I think its more common for guys to rush. I didn’t rush but all of my girl friends did and only one of them ended up going through with it. For girls, you can go to parties anyway so you don’t need to be in a sorority to have a social life.
twogirls, I must say, if my kids say one of our relatives is wealthy, then well, they are wealthy. I’d expect most adolescents have some idea about the fiscal health of their grandparents. I think students need to be realistic but not guilted into choosing a school for the sake of saving their parents money. Beyond a warning, or suggestion, I think such matters are between the parent and student. It may be less likely that a student understands the family’s own finances than the student is correct when others say a relative is wealthy. Sounds like the OP needs to discuss these issues with the parents.
@austinmshauri Yes, my parents income is about 150k/year. I really am not sure about how my parents will pay for it because when I discuss with my mom she seems like she does not have an exact plan aside from putting some money to the side each month. She tells me she plans on just taking out a loan for the entire cost of school
@twogirls Oh I’m sorry, I didn’t really understand how FAFSA worked. They have pretty good credit so I believe they will have no problem taking out the Parent Plus loans. I got a scholarship for 5000 a semester, 10k/year, so it will be about 36k. And they are very wealthy, multimillionaire status because my grandfather operates a very large business. But this doesn’t matter bc they won’t help anyway haha. I think at the point of my sister attending school my sister will get help from my grandparents though. I would like to think that they aren’t helping right now because of the sole fact that they don’t really have to, but if my parents were to request it in the future I think they would be able to help them. And thank you for your wishes! 
You have to clear things up wrt whether grandparents will contribute, now or later, and under what conditions.
If the grandparents will help out with college or with any financial issues down the road that may arise should these parents have over $200,000 in parent plus loans to pay back for two kids, then there is no problem. This should be clarified.
lostaccount I agree that this matter is between the student and her parents. Personally, I think taking out loans in excess of $100,000 for one child’s undergraduate education and then be put into the position of having to repeat this for a second child, is not smart. I do realize, however, that many people live this way. This girl is going to grad school, which will cost at least $200,000- probably more. These parents will have to pay back a tremendous amount of money on a $150,000 income, which is not high in NY. If the grandparents will help out then everything that I am saying is dismissed, but this is something that should be clarified ahead of time. It appears that the grandparents are wealthy- that is good news. I know plenty of people who appear to be wealthy and are not. I also know plenty of people who appear to have little money, but are paying cash for expensive schools because they have lived frugally.
Without help from the grandparents, this seems like a crazy plan just to avoid going to Binghamton, especially since she will be elsewhere for a 4 year graduate degree and Binghamton is a perfectly good school. Hopefully the grandparents will help out.
A $150k income is upper income here in NY and just about everywhere else in the US.
In post #54 Melanie said the grandparents refused to help a cousin pay for community college. I wouldn’t rack up hundreds of thousands of dollars in debt on the assumption the grandparents will pay it off.
Yes $150,000 is considered upper income, however I do not think it is enough to pay off ( possibly) $200,000 in parent plus loans ( not including interest) for two children unless their retirement is well funded or the grandparents help out. I realize this is just my opinion and others may disagree.
@melaniemaldonado, I agree with @twogirls; $150k isn’t a high enough income to repay what your parents want to borrow.
Right now your parents’ plan is for you to take the federal student loan of ~$5500/year ($27k total) and they’ll borrow the rest ($75k for Binghamton, $109k for Delaware, $141k for Florida, or $163k for Penn State)? Then they hope to qualify for loans to pay for your sister’s education? Who’s planning to borrow the ~$200k so you can go to vet school?
I would ask your parents to have an honest talk with your grandparents to see if they will help. If they will, get a definite dollar amount so you can plan. However, since they wouldn’t pay for your cousin’s community college, I wouldn’t count on getting money from them.
If your grandparents won’t help, I don’t think any of these schools are affordable for you. Your parents haven’t saved for college, money is always “tight,” and your parents would have to borrow the entire COA. If they can’t swing any of the ~$20k Binghamton would cost per year out of their current $150k income, I don’t see how they can afford a ~$100k loan for you, plus $200k for vet school, plus whatever your sister’s school costs.
I would either enroll in your local community college for 2 years then transfer to Binghamton (you can save ~$20k/year the first two years) or take a gap year and look for merit aid. There’s a thread pinned to the top of the financial aid forum that lists guaranteed merit aid for stats. If you can get a full tuition grant anywhere, you may be able to swing the costs with the federal student loan and summer work earnings.
I don’t know how different vet school is from med school, which @mom2collegekids knows a lot about, but I think the borrowing recommendations are probably similar. Borrowing $100k of for undergrad isn’t advisable for students who plan to borrow ~$200k or more for med school.
We can’t assume the grandparents won’t pay for Melanie. They may have refused the cousin’s request with "you goofed off in high school and couldn’t get into a 4-year college, why should we help you? "
Asking, politely and without any assumptions, is the only way to know what’s what.
For all we Know the grandparents are alumni from one of those :). < not serious here but you get my point