非也非也，如今助学金的线已经水涨船高了 Beginning with the 2025–2026 academic year, students whose family income is under $200,000 a year (with typical assets) attend MIT tuition-free. https://sfs.mit.edu/undergraduate-students/the-cost-of-attendance/making-mit-affordable/
The Massachusetts Institute of Technology removed tuition costs for undergraduates from families earning less than $200,000 a year. The University of Pennsylvania said it would also allow students from families earning $200,000 or less to receive free tuition. Previously, the school set its limit at $140,000. Carnegie Mellon provides free tuition for families making $75,000 or less. Brandeis enables students from families making $75,000 or less to avoid tuition costs. Stanford families earning $150,000 or less do not have to pay tuition. All nine University of Texas schools have waived tuition for families earning $100,000 or less. All public state schools in New Mexico offer residents free tuition. If they live in the state, families making $55,000 or less can get free tuition at the University of Wisconsin. ColumbiaUniversity set its household income threshold at $150,000 for free tuition. Dartmouth and Brown University provide free tuition for students from households making $125,000 or less. Students at Cornell and Yale from families making $75,000 or less will get free tuition. Princeton permits students from families earning $160,000 or less free tuition. Arkansas residents will get free tuition at the University of Arkansas if their family income is under $70,000. Duke offers free tuition to North and South Carolina students if their families make $150,000 or less. The New York University Promise ensures that students whose families make under $100,000 do not have to pay for tuition. State University of New York schools offer residents the opportunity to attend college tuition-free if their families make $125,000 or less.
awen 发表于 2025-06-09 20:30 非也非也，如今助学金的线已经水涨船高了 Beginning with the 2025–2026 academic year, students whose family income is under $200,000 a year (with typical assets) attend MIT tuition-free. https://sfs.mit.edu/undergraduate-students/the-cost-of-attendance/making-mit-affordable/
还有别的条件的。要不然比如我给我妈打工，她少付我点工资就是了。 Factors beyond Income: While income is a major factor, Ivy League institutions also consider other financial details like family size and assets (excluding home equity and retirement assets at Harvard).
这么大年纪还没给孩子攒好大学学费。嫁人没长眼，孩子没父亲疼爱。真要用钱的时候，房子又卖不出，只是砖头。
过了15万了，肯定过了拿助学金的最低限了。
非也非也，如今助学金的线已经水涨船高了 Beginning with the 2025–2026 academic year, students whose family income is under $200,000 a year (with typical assets) attend MIT tuition-free. https://sfs.mit.edu/undergraduate-students/the-cost-of-attendance/making-mit-affordable/
还有5年上大学，好好规划，你娃这种情况T5不是梦
那她肯定是进不了mit的。
还能上T5? 什么特长竞赛全都没有，只做完校内作业就万事大吉了。
真mean。
1. 长期心理压力大，最后身体就会出问题
2.没给孩子攒学费，你觉得你情况很少见？ 你觉得别人都是要腰缠万贯？轻松 几十上百万？ 典型的华人 的盲目 跟风 盲目攀比的 心理又开始 作崇，趁还有时间X，把这种 最有毒的 心理赶紧 抛弃掉，哪怕不得不减少和华人圈子来往，也要把这种 有毒的心态改掉
3. 你现在急于找投资的办法，越来越 desperate , 你知道最后的结果是什么吗？ ？ 买股票投资失败还不算啥，华人杀猪盘 很快就会 顶上你，在你觉得，最不可能被骗的时候，觉得一切都非常合理的事后，狠狠 骗你。
过好你自己的生活，关注好你自己和孩子的 各方面健康，
停止 毫无意义的盲目攀比和跟风
孩子如果知道T5可以免费上，也许就有动力拼一下了？话说如果你是为financial aid打算的话，接下来几年可以考虑把钱放到退休账户和自住房里面，因为这两样top私校往往不计入父母资产。生父的收入和资产也应计入，但是如果你能证明生父拒绝提供抚养费用，那可以提交给学校
这不是楼主自己自嘲么🤣
有价无市
这需要进T5啊。进州立大学，15万拿不到助学金的。
已经没有贷款了，401k目前是存满的，但是我也没啥现金，也不敢花钱，总想着孩子大学学费和养老都没着落。
楼主你的经济条件已经非常好了。有可观的401，有15万的年薪，还没贷款。下一步要做的就是看如何规划好401的投资。前几天一个高楼讲的挺好的。然后孩子上大学真的要钱的话卖一套国内的房子就够了。或者现在可以稍微少存一点401，稍微存点现金，增加安全感。
谢谢回复。我目前401k全是投的sp500,没有其他。
不买股票就首付一个城里在学校附近的小公寓，给个首付，出租出去 让别人给你供楼，退休时卖掉或者留着收租金。
价格低一点肯定可以卖掉的，我家房子去年卖了，想卖肯定能卖得掉
如果不是嫁人瞎眼的话，孩子的生活应该会好很多。
60岁退休，也只有15年了，我也不一定一直能有工作，能够每个月定投到里面去。
还有别的要求吗？只看收入感觉学费不用交了啊。：）
我不敢赌这个数目,还有一个是401k也投了股票指数，怕税后的钱到股票里去，崩了的话，得着急死的。国内的资产在房子里，拿也拿不出来。
挺好的，现在离退休还有一定时间，都投sp500也是可以的，等五十多时再慢慢调整。另外你的退休金绝对够了，不要焦虑。现在可以考虑不要存那么多401，留出一些现金提高现在生活的质量和给孩子攒一点学费。国内多余的房子也该卖就卖，这些都是你用来提高生活质量的资产，只有用上了才是真的资产。
既然你的401k都在sp500里，那不该再考虑把其余的钱投入股市了。 我觉得你没有责任给孩子付大学学费，贷款上学在美国是很常见的么。
娃也得优秀， 被录取。
就算现在开始不存了，这40万过15年也至少一百多万了
all in nvda or tsla！
重仓个股风险太大
理论上讲是，但是这两个股票还是靠谱的。
还有别的条件的。要不然比如我给我妈打工，她少付我点工资就是了。 Factors beyond Income: While income is a major factor, Ivy League institutions also consider other financial details like family size and assets (excluding home equity and retirement assets at Harvard).
前几天特斯拉一下跌了快20%
幸亏只有一个孩子，要不然60都退不了，不过，你至少还有退路，国内两套房，将来回国旅居应该可以过得舒舒服服