After taking a deep breath and looking at everything my daughter will be going to UM this fall! We got a generous grant in addition to a merit scholarship and once you really look at what you have to actually pay UM per semester it made a difference. We found out some of the additional expenses are going to be a one time expense for freshman year just like people here on the forum suggested (in our case it is a required $4000 computer package). Looks like my daughter will be able to get a UM education for just the basic fed loan and we felt that for the cost of a car after graduation it is well worth the kind of a quality education you get from Michigan. Thanks for everyone’s help and encouragement in this forum.