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Started By
Message
Cost of college is overblown. It does not cost anywhere near $200,000+
Posted on 7/7/18 at 9:33 am
Posted on 7/7/18 at 9:33 am
Source: I have recently put children through LSU.
My children got the full college experience, nice apartments, Greek system, etc., and it was not that expensive.
The $200,000 cost of college is a complete myth. Those stats are inflated by private schools and out-of-state tuition.
It is possible to get a college degree for a fraction of that by going to a state school (in your own state), or even cheaper by using the community college route your first two years.
At LSU, estimated cost of attendance is $20,000-$33,0000 per year, depending on multiple factors. This number does not include TOPS or scholarships.
LSU costs
The numbers vary based on where you live, and whether the cost is LSU's actual estimate, or the Federal Student loan number (this one is higher).
A student could also live at home for two years and go to community college with TOPS for nearly free. Even without TOPS community college is cheap, Baton Rouge Community College is only around $2,500 per semester for tuition and fees for 16 hours.
So, yes you can spend as much as you want for college. You can spend a million dollars if you go to Columbia with no aid and live in Manhattan.
But, if cost is a concern, a state college education (in your own state) is reasonable.
And it should be even cheaper, I agree.
My children got the full college experience, nice apartments, Greek system, etc., and it was not that expensive.
The $200,000 cost of college is a complete myth. Those stats are inflated by private schools and out-of-state tuition.
It is possible to get a college degree for a fraction of that by going to a state school (in your own state), or even cheaper by using the community college route your first two years.
At LSU, estimated cost of attendance is $20,000-$33,0000 per year, depending on multiple factors. This number does not include TOPS or scholarships.
LSU costs
The numbers vary based on where you live, and whether the cost is LSU's actual estimate, or the Federal Student loan number (this one is higher).
A student could also live at home for two years and go to community college with TOPS for nearly free. Even without TOPS community college is cheap, Baton Rouge Community College is only around $2,500 per semester for tuition and fees for 16 hours.
So, yes you can spend as much as you want for college. You can spend a million dollars if you go to Columbia with no aid and live in Manhattan.
But, if cost is a concern, a state college education (in your own state) is reasonable.
And it should be even cheaper, I agree.
This post was edited on 7/7/18 at 9:35 am
31
Posted on 7/7/18 at 9:38 am to Bjorn Cyborg
Agreed. Good post.
Posted on 7/7/18 at 9:40 am to Bjorn Cyborg
While I agree, the price has still gotten out of hand. I think the cost to attend LSU is like 3-4x what it was 10 years ago while I was there.
Posted on 7/7/18 at 9:41 am to Bjorn Cyborg
There are colleges that meet that number. It's a bit if cherry picking though
Posted on 7/7/18 at 9:41 am to Bjorn Cyborg
Many of my friends went the "take the classes at BRCC that will transfer, then enroll at LSU" route to limit their student loan/overall cost of their education.
Not coincidentally, these also tended to be the people who chose well thought out majors that would generate incomes that allowed them to pay off their education easily and start accumulating some wealth.
Not coincidentally, these also tended to be the people who chose well thought out majors that would generate incomes that allowed them to pay off their education easily and start accumulating some wealth.
This post was edited on 7/7/18 at 9:46 am
Posted on 7/7/18 at 9:42 am to Bjorn Cyborg
20-30k is still entirely too fricking high.
It's easier/cheaper than ever to get an actual education, but government grants and loans have jacked prices into the stratosphere.
It's easier/cheaper than ever to get an actual education, but government grants and loans have jacked prices into the stratosphere.
Posted on 7/7/18 at 9:42 am to Bjorn Cyborg
After graduating from a catholic high school then going to SLU back in the 80's, a semester was about $900 with books and room and board...
First thing my dad said, "where do I send the check"...
First thing my dad said, "where do I send the check"...
This post was edited on 7/7/18 at 9:44 am
Posted on 7/7/18 at 9:42 am to Bjorn Cyborg
Why is this getting downvoted to hell and back?
I mean, it’s true. Yes, the sticker price is insanely high but most people don’t pay that.
The problem (using Louisiana/LSU as an example) is that if you don’t get TOPS and you don’t qualify for any needs based aid, then you’re SOL and you’re on the hook for $11K in tuition and fees every semester. But I’d think that there are very very few kids that fall into that category.
I mean, it’s true. Yes, the sticker price is insanely high but most people don’t pay that.
The problem (using Louisiana/LSU as an example) is that if you don’t get TOPS and you don’t qualify for any needs based aid, then you’re SOL and you’re on the hook for $11K in tuition and fees every semester. But I’d think that there are very very few kids that fall into that category.
Posted on 7/7/18 at 9:43 am to stuntman
quote:
It's easier/cheaper than ever to get an actual education, but government grants and loans have jacked prices into the stratosphere.
You just outlined all of the problems with government subsidized loans.
Too many people get into college that really don't belong there and everyone pays more all because of easy access to large amounts of other people's money. There is NO WAY IN HELL private lenders would write the student loans they do these days if they had to underwrite the risk themselves. As long as you and I keep subsidizing those loans, the money will continue flowing and colleges will continue to be overloaded and overpriced.
This post was edited on 7/7/18 at 9:46 am
Posted on 7/7/18 at 9:43 am to Bjorn Cyborg
$200 k is a complete myth? Show me anywhere that somebody says that’s the minimum cost of college. Some schools do run that, so it’s not a “myth.”
Posted on 7/7/18 at 9:44 am to GEAUXT
Agreed, it should be even cheaper. But people that have younger children are freaking out thinking they are about to go a quarter million in debt (or their kids are).
You certainly can, if you want to. But you don't have to.
Assuming your kid as TOPS, it is very possible for them to go to LSU for around $15,000 per year out of pocket.
You certainly can, if you want to. But you don't have to.
Assuming your kid as TOPS, it is very possible for them to go to LSU for around $15,000 per year out of pocket.
This post was edited on 7/7/18 at 9:46 am
Posted on 7/7/18 at 9:45 am to Bjorn Cyborg
It can cost $200K, but not at LSU, as OP stated.
My kid is currently being recruited by some colleges outside of NC. One is private, the others are public. Out of state tuition is outrageous - $65K+/year at the private and $45K for the publics.
If you pay full price out of state, you can easily go over $200K. If you pay full price at all, then you are throwing money away.
There are scholarships and grants available, but you have to go after them.
Sadly, we already know the sport my kid plays doesn't offer full rides, so we're exploring other scholarships and grants.
My kid is currently being recruited by some colleges outside of NC. One is private, the others are public. Out of state tuition is outrageous - $65K+/year at the private and $45K for the publics.
If you pay full price out of state, you can easily go over $200K. If you pay full price at all, then you are throwing money away.
There are scholarships and grants available, but you have to go after them.
Sadly, we already know the sport my kid plays doesn't offer full rides, so we're exploring other scholarships and grants.
Posted on 7/7/18 at 9:45 am to StupidBinder
Because it’s stating the obvious based on an assumption that nobody makes
Posted on 7/7/18 at 9:45 am to Bjorn Cyborg
TOPS is Socialism.
Pay your own way, you Libs.
Posted on 7/7/18 at 9:46 am to Bjorn Cyborg
This is probably just csb. But I got someone internet mad at me because I said that if you are $100k in student loan debt and only have a bachelor degree to show for it then generally speaking you made some bad decisions. You don't have to go to that private school that costs $20k a semester. You don't have to take out student loans to cover all your cost of living expenses. You can have a reasonable and attainable personal finance plan.
People want to complain about how education costs are out of control in this country, which maybe they are to some extent, but they also don't want to take responsibility for their role in their own situations.
People want to complain about how education costs are out of control in this country, which maybe they are to some extent, but they also don't want to take responsibility for their role in their own situations.
This post was edited on 7/7/18 at 9:47 am
Posted on 7/7/18 at 9:48 am to Peazey
Also, paying out-of-state tuition to a state school is borderline moronic (unless it is to one of the elite publics like Texas or Berkeley)
Posted on 7/7/18 at 9:49 am to Bjorn Cyborg
I’m not sure you are considering most people here need to take the same class several times.
Posted on 7/7/18 at 9:49 am to Bjorn Cyborg
I just used that calculator and the 4 year cost I got, living off campus but not with a parent, was $138,000.
That isn’t $200k, but still ridiculous
That isn’t $200k, but still ridiculous
Posted on 7/7/18 at 9:50 am to Bjorn Cyborg
I missed where less than 200k isn’t still ridiculously expensive and not really feasible for people to pay out of pocket for when attending full-time?
Posted on 7/7/18 at 9:50 am to stuntman
quote:
20-30k is still entirely too fricking high.
I mean, you can barely afford a crappy apartment and fast food on 20-30k a year, so getting the full college experience for that much is kind of a bargain.
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