Feeling Like a Newbie Navigating Scholarships and Everything Else

I’d be taking out of state public U’s off the table pretty quickly. Every minute your kids spend fantasizing about them is a minute not spent focused on colleges (in state) which you will be able to afford.

Start by drawing a circle around your house and figuring out which colleges are commutable. That’s going to be the value option- you are already paying for a place for them to sleep- every dime you spend on a dorm is a dime you don’t have to pay for tuition or books. I’m not telling you that they can’t go further away- but develop your “if all else fails” plan first- i.e. tuition, living at home-- before getting ahead of yourself with the more exotic/more expensive/requiring lots of aid options.