"Shhh! Keep it under your wig!"
Posted on 12/24/2014 7:50:20 AM PST by SeekAndFind
Regarding southern usage: it depends :)
I was once informed that “y’all” is singular, and “all y’all” is plural, and that furthermore, “all y’alls” could refer to a group (club membership, ethnicity, sports team fans, etc.).
American English defies codification into a rigid grammar :)
I agree.
It’s like PBS/NPR.
They get government funding
They accept endowments
They allow advertising (disguised of course, but still)
They Solicit donations
AND they get paid for stuff.
It just wrong.
7- I had no idea than trannies were so prominent in colonial America
lol
some pay upwards of $60,000 or at least the taxpayers do it for them
"Shhh! Keep it under your wig!"
and he is probably going to be a better person not living on campus these days too
rofl
bump
I just had bacon and egg Taco’s... tacos... tacoes... or whatever
Number 11 - That Israeli company hires Palestinians as well as Jews, who apparently get along well enough to do their jobs.
Microaggressor. (sniff...)
Ronald Reagan had a policy, albeit in international politics, "Trust, but verify".
What's wrong with having peace of mind? Even paranoids have real enemies.
Agreed.
Also, I am not trivializing the whole process and the costs. We will have to make some serious sacrifices. But it will be worth it. I know.
But our son is on the right path in High School and he is dedicated. The two degrees that offer the best chances are engineering and business.
I have probably said more than I should, too about the costs and such. Obviously I have thought (and worried) about it a lot. :)
What do you think all of those wigs were about...just saying...
A little surprised...I would have thought that Jameis Winston would have made this list...but then again, this list seems to have a particular focus...
“The ‘Ivy League School’ that we considered, a private school, is $60K per year versus our state university (with instate tuition) which is around $30K per year.”
Note that I specified “private schools.”
Public universities usually have lower sticker prices than private schools. This is especially true for in-state students, but even out-of-state students will usually find tuition rates lower at public schools. Nonetheless, many private universities will provide financial aid and/or merit scholarship packages that will often rival the net price of many public schools.
Second, as I noted, most private schools have sticker prices (including tuition, room, board, fees, insurance, travel costs, etc.) that range up from around $50K to $65K and more.
“Private universities, which tend to be ‘Ivy League,’ don't offer the instate kickback.”
I'm not sure what that means. There is no such thing as "tend[ing] Ivy League." Private universities don't "tend Ivy League." There are roughly a couple of thousand four-year colleges and universities in the US. There are eight schools that are members of the Ivy League: Harvard, Yale, Princeton, Penn, Cornell, Brown, Columbia, and Dartmouth. That's it.
There are a few peer schools of the Ivy League. Most folks would count Stanford and MIT among them, and some folks would put in U Chicago. There are other schools considered Ivy peers, but the large the list one makes, the less consensus one will get on the individual schools therein. But these schools are not part of the Ivy League, and I don't know anyone from these schools who would be happy if you said their schools "tend[ed] Ivy," whatever that means.
There are some highly-selective public universities that are sometimes referred to as "public Ivies," by way of comparison. Most lists of "public Ivies" include Duke, UVa, UCLA, Berkley, and a few others. Nonetheless, they are 1) not private universities, and 2) are not actual Ivies.
Then, there are a couple of thousand private colleges and universities, none of which "tend Ivy League."
The issue you raised is one of costs. Your posts suggest that for most families, the most important consideration of college costs is the published prices of a school. For high-income families, that's true, as the higher one's income, the less financial aid one will receive. As an example, a family with a single child in college going to Harvard will not usually receive financial aid with family income of roughly $250,000 per year or more.
But for most folks, the published prices are fairly meaningless. The only important costs are the costs that a particular family will be asked to pay at a particular school, and that number varies from family to family and from school to school.
Students can reduce the cost of attendance through merit scholarships, athletic scholarships, other specialized scholarships, and need-based financial aid. Most folks get financial aid.
When applying to school, families are encouraged to apply for financial aid, and the main document that drives these decisions is the federal FAFSA form, which collects data on the income, asserts, and overall finances of the family. From this process, each school computes a specific amount of "demonstrated need" for each family. The school then decides what portion of demonstrated need it will finance, and subtracts that from the total Cost of Attendance, yielding the family's particular Expected Family Contribution (EFC) for that family. The EFC is what the family is expected to pay for the student to attend the school. It is only weakly related to the published prices of the school.
Unless one has a fairly high family income, it is a bad idea to judge the affordability of a school from the published prices.
Many people assume that because they have published prices of $60K and more that the Ivies are particularly expensive. They are not. First, their published prices are fairly typical of other highly-selective private colleges and universities. Look at the published prices for Stanford, or Chicago, or the University of Pittsburgh, or Williams College, or Middlebury, or Washington University in St. Louis, or Notre Dame, or Johns Hopkins. These are all good, highly-selective private schools, but not Ivies, and are all in the $60K+ range of published prices.
But more importantly is the NET COST of a school. For middle class folks, it's difficult to beat the Ivies, especially for the top tier Ivies of Harvard, Yale, and Princeton. Around 60% of undergrads receive financial aid, and the average EFC at Harvard for those receiving financial aid is about $12K per year. So, a middle to upper middle class family sending its child to Harvard will, on average, pay $12K per year, all-inclusive. For families with incomes of $65K or less, the EFC at Harvard is $0. In other words, students who are admitted and who come from families with $65K or less in income per year go free. No tuition, no room and board, no book costs, no loans. In fact, the top tier Ivies don't participate in the federal student loan program, and the need-based financial aid packages are all grants - no loans.
The only way for someone to run up a lot of debt at Harvard, Yale, or Princeton, is to have a high family income, and refuse to use the family resources to finance the student's education at the school. To run up a six-figure debt at HYP would require having family income of at least in the range of around $200K per year, and not to use any of that income and/or other family assets to pay for the family's EFC.
Bottom line - the "sticker price" for a school doesn't have much relationship to the actual price to be paid by most families to send their child to that school. Investigate the actual costs of each school in which a student expresses interest. Every school has a Net Price Calculator available at its website that will give a rough idea of the costs to your particular family in your particular circumstances.
The irony is that the more highly-ranked the school, usually, the more generous is its financial aid. For most folks, it's cheaper to send their kids to Harvard than to to most other schools. In this case, the problem isn't paying for the school; it's getting into the school in the first place.
sitetest
I was generalizing when I used the word “tend.” But the fact still remains that Ivy League Schools are indeed private and therefore are more expensive. And for us, it would mean that my son would have to live on campus which is even more cost.
I should point out that the $30K for the state university is BEFORE any financial aid. I don’t count the instate tuition discount as financial aid because it is a given. And in order for one of the Ivy League schools to be cost competitive, financial aid is a must. Let me repeat, financial aid is a must!
And herein lies the problem. People are not good shoppers when it comes to higher education. Clearly, that is why many college students graduate with massive debt.
BTW, my apologies. You obviously have a lot of experience and are an expert.
I really do believe that most people (parents and students), don’t make good financial choices when it comes to college.
Our goals for our son in order of priority.
1. Get a degree in a marketable field.
2. Get a degree from an accredited college or university.
3. Be affordable for his parents.
4. Get good grades.
....
9. Participate in on campus activities, joint a frat, etc.
10. Attend a prestigious university or college.
But thank you very much for your expertise and advice. I really do appreciate it.
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