$135,000 is certainly different than $100,000. Keep figuring out a way to pay for the school you really want to go to. With $135,000 in family income, you will be expected to pay more than those who make less, but at the same time, you ought to be able to make it work. That’s still low enough that some very good financial aid is given. Also, note that even though some of the Ivy League schools don’t factor in loans when they come up with your financial aid package, that doesn’t mean you can’t take some. Small loans are acceptable in my opinion.