<p>Kilijin,</p>
<p>I understand your reluctance to take on even more employment to try to finance a college education. It is true that poor students who work too many hours (off campus) and try to take too many hours on campus can and do get into academic trouble and wind up in school for additional time, requiring more money and further student loan debt.</p>
<p>But tuition and Fees at SUNYs and CUNYs still somewhat reasonable. I teach at Buffalo State; next year tuition and fees will run a bit more than $6K.</p>
<p>Of course, the problem is that room&board at SUNYs is often relatively expensive; at Buff State, next years room&board for students living on campus will average a bit more than $10K. So the total COA for a student living on campus is about $16K. Other SUNY-University Colleges have similar tuition, fees, and room&board I believe. The COA at the Univeristy Centers is more, if I recall right.</p>
<p>Now, how poor are you? Are you Pell eligible? What’s your TAP award look like?</p>
<p>If you’re poor enough for the maximum amounts of Pell and TAP, then Pell+TAP+full Stafford loans ought to come really close to paying for tuition, fees, room&board at a SUNY University College.</p>
<p>And even if you are not Pell eligible, a smallish TAP+full Stafford loans should cover tuition and fees at most SUNY University Colleges. So the question is: Is there a SUNY University College that you could commute to from home? If you are in the city, you ought to look at the CUNYs since TAP+full Stafford loans ought to come close to paying for tuition and fees.</p>
<p>Yes, it’s a shame that you will likely need to take out the full amount of Stafford loans to make college work. But many middle class and upper middle class students (including many high stat ones who manage to gain admission to many of the colleges on JohnAdams’s list) will also have to take out full Stafford loans to finance their college education as well.</p>
<p>And there are ways to try to minimize the non-tuition&fees costs of going to college. Living at home and commuting is one way. </p>
<p>But if you want to go away for college, there are still ways to minimize the non-tuition and fees costs. If you are required to live on campus the first year, then don’t bring a car with you. Inconvenient? Yes, but cars are really expensive to maintain and insure. In future years, you can move off campus and find a really cheap place to live and being extra frugal at the grocery store. And again, don’t bring a car with you. Find a roommate with a car or learn to use the bus system.</p>