Thank you you for all your advice, I appricate it.
So did you analyze the award?
Yes, only Emmanuel is a grant. UPitt is partial grant and 15k loans.
We are still waiting on 2 more Universities.
Thank you everyone for your advice!
Does the 15k in loans for UPitt include her freshman year federal student loan ($5,500)? The rest of those loans would not be hers. They would be PLUS loans that you borrow as a parent, or private loans that you would need to co-sign. It looks like UPitt is not affordable.
Here are some calculators that you can use to compare the aid packages and to estimate loan repayment:
http://www.finaid.org/calculators/awardletter.phtml
http://www.finaid.org/calculators/loanpayments.phtml
Be very careful about getting into undergraduate debt. You said she was your oldest so your ability to borrow in the future will be impacted by how much debt you have. Also med school will be expensive and will probably involve loans too.
UPitt is partial grant and 15k loans.<<<<<<<<<
This to get to 75% covered? Or 100%? Including direct loan or that is another 5.5k in loans? If laying that out here is awkward (as it seems to be) then make sure you lay it out en famille at least.