@compmom Sorry if my post made you feel that way. I am not judging anyone for struggling financially. While I am lucky to be doing OK today, I have been laid off a couple of times in my career and I know what it feels not to get a paycheck at the end of the week.
My intent is to remind people doing well today that they need to properly manage risk. I see people with similar income to mine making surprising decisions when it comes to picking a college. They stretch to a point that would prevent me from sleeping at night when less costly options were available, and they don’t have a backup plan if something bad were to happen. My point is that one should always consider the worst-case scenario when making a large financial decision like picking a college.