As students weigh which school to attend, making sure they won't need to borrow too much is key, experts say.
with savings, income and loans to cover the bill, after aid that doesn't need to be repaid, including grants and scholarships, is accounted for.
When calculating the four-year net cost, Kantrowitz said, keep in mind that different years may cost different amounts because some colleges offerAfter estimating the total tab, you can figure out — after any savings or income you plan to direct at the college bill — if what you'd need to borrow is reasonable.
"Often, the least expensive option will be an in-state public college," Kantrowitz said. "They cost a quarter to a third of the cost of a private college but provide just as good a quality of education." If students find that all the colleges they applied to would leave them borrowing too much, they can look at others, as many schools still accept applications after May 1, Kantrowitz said. The National Association for College Admission Counseling usually publishesOne more point: Incoming college freshmen should more or less tune out news about the
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