@elizajanebh why have you only applied to 5 schools after all this discussion about merit schools. Today is the 15th, pretty much your last chance for many schools. Are there any 4 year schools in commuting distance to you (MASS has so many colleges). Have you spoken to your parents about these numbers and how $20k over 4 years will only get you community college? Did you apply to Mount Holyoke? Their deadline is today…who knows they may get you a twin discount and your parents may be willing to pay for both of you to go there because of legacy.