<p>You probably need to ignore list prices, apply to a variety of schools that you would like to go to (local, state, private) and then compare the packages that you get. If the state school offers wonderful huge loans, and the private school offers need based grants you might find that the private school ends up being cheaper. You can’t really compare until you get the offers. Also consider that come schools use the Profile which includes home equity etc while other schools only use FAFSA. With your income and stats, list price may be irrelevant.</p>