@gallentjill Sorry I missed your earlier post. The room and board, in many cases, is as expensive as the tuition at a state school. A former co-worker of mine told me she wasn’t concerned with college costs because she and her husband had taken advantage of the prepaid tuition contracts Virginia used to have. I made a comment about how great it was that she’d only have to cover room and board for 4 years. She looked puzzled and then realized that her prepaid plan was only for tuition. She had assumed all those years of savings were for both tuition and room and board. Since I have an older child, she asked how much R&B was - and when I told her, she was stunned. She eventually worked it all out but they had to take loans they hadn’t anticipated.