<p>$68K plus all of your IRAs and 401Ks. I would think that’s where the bulk of a retiree’s money is. </p>
<p>I think a lot of school’s realize that performance on a single test to be a NMF doesn’t mean a lot except for bragging rights. State schools generally have a low enough COA to be reasonable for the middle class. </p>
<p>It was your choice to have kids late in life just as it was for us.</p>