<p>I say this with kindness and respect, because you’ve asked for opinions. This sounds like a bright kid with a good record who would be sought-after by a lot of colleges, and a family that’s caring and willing to help – and yet there are two options on the table, late in the game, and neither one is really what she needs. She may need a gap year.</p>
<p>I had many friends go through the Academies, particularly West Point, and it was my understanding that if you aren’t positive that you want a military life for at least 9 years, plus reserve obligations, and if you aren’t willing to be killed for your country as a volunteer, don’t do it. Clearly she doesn’t feel that way, or you would not have started this thread. The Academies are not just colleges. Women are facing additional difficulties in the military, which are becoming more widely known these days, and the Academy level is not exempt. I know there used to be some option to quit and transfer out, early in the game, but I think that also entailed certain enlisted duties, at least at some point, to pay the government back for the partial education. You would need to confirm what her rights and duties would be if she started at USAFA and hated it.</p>
<p>Wellesley, in my opinion, you just can’t afford. I wouldn’t be able to afford it either. People have their own individual tolerances for debt, but since you’ve asked for input, I think that’s far too much debt for undergrad. Particularly when the kid is a desirable applicant who could get much better deals elsewhere.</p>
<p>Any kid who can get into USAFA is a viable merit aid applicant at many schools. But if she starts at one school and transfers out, her merit aid options are generally understood to be very limited as a transfer applicant. I am not an expert on that. Other threads and people could shed light on that. But the accepted notion is that you get your best shot at merit aid when you are fresh out of HS or a gap year, and have not yet enrolled in any college. That’s when you are of the most usefulness to the college, in terms of enhancing their incoming freshman stats. Taking even one course during a gap year will turn you into a transfer applicant. </p>
<p>I think your daughter needs a gap year, in which to do some more soul-searching about what she really wants out of college, and to develop a more realistic college budget, in consultation with her parents. She can hopefully secure a nice merit aid award from a school that will meet her needs, without decades of financial regret.</p>