Chapter 6: April

Decision Time

When all the acceptances and financial aid offers arrive, Emma's family must weigh their options and make their final choice by the May 1st deadline.

Early April: The Acceptances Roll In

Within the first week of April, Emma receives decisions from all her remaining schools:

University of Colorado Boulder
Accepted
$24,000/year
$6,000 need-based

In-state tuition advantage

University of Georgia
Waitlisted
Unknown
Unknown

Limited aid for out-of-state even if accepted

University of Alabama
Accepted
$29,000/year
$18,000/year merit scholarship

More merit aid than expected! Renewable with 3.0 GPA

Arizona State University
Accepted
$36,000/year
$12,000/year merit scholarship

Barrett Honors College acceptance

Colorado State University
Accepted
$26,000/year
$8,000/year merit scholarship

Close to home, different environment

University of Tennessee
Accepted
$32,000/year
$10,000/year merit scholarship

Applied mainly to please dad

Mid-April: Financial Aid Package Analysis

Emma's family sits down with all the financial aid offers to understand their real options:

The Spreadsheet Analysis
SchoolTotal CostAid/ScholarshipsNet Cost/Year4-Year Total
CU Boulder$30,000$6,000$24,000$96,000
Arizona State$48,000$12,000$36,000$144,000
Alabama$47,000$18,000$29,000$116,000
Colorado State$34,000$8,000$26,000$104,000
Tennessee$42,000$10,000$32,000$128,000

Late April: The Difficult Conversations

The Three-Way Family Meeting
For the first time all year, Emma sits down with both parents (via video call with dad)

Mom's Perspective:

"CU Boulder makes the most financial sense. Emma can live at home for the first year to save money, and she'll still get the college experience. The debt would be manageable."

Dad's Perspective:

"I think University of Alabama offers the best value. The larger scholarship shows they really want Emma, and she'd get the full college experience away from home. It's only $5,000 more per year than CU."

Emma's Perspective:

"I feel like I'm choosing between what's affordable and what I want. I don't know what I want anymore because everything is about money."

The Hard Questions

Can the family afford to take on $25,000+ in debt?
  • Dad's credit is good enough for Parent PLUS loans
  • Monthly payments would be $250-300 for 10 years after graduation
  • Family would need to sacrifice other financial goals
Should Emma live at home to save money?
  • Would save $12,000/year in room and board at CU Boulder
  • Emma would miss traditional college residential experience
  • Family dynamics might be stressful with Emma still at home
Is the 'college experience' worth the extra debt?
  • Going away to school costs $5,000-15,000 more per year
  • Emma feels like she's being punished for family's financial situation
  • Parents want Emma to have opportunities they didn't have

The Elimination Process

First Eliminated: University of Tennessee

Reason: Emma admits she only applied to please her dad. Most expensive option with no strong preference.

Family Agreement: Dad agrees it was added for wrong reasons

Second Eliminated: Arizona State University

Reason: Despite Honors College acceptance, Emma doesn't feel excited. Most expensive option on the list.

Family Agreement: Family agrees debt level isn't justified for a school Emma isn't enthusiastic about

The Final Three

CU Boulder
Live at home: $16,000/year, $64,000 total

Pros:

  • • Most affordable option
  • • In-state advantage
  • • Can live at home to save money
  • • Familiar environment

Cons:

  • • Would miss residential college experience
  • • Living at home limits independence
University of Alabama
Realistic cost: $32,000/year, $128,000 total

Pros:

  • • Strong merit scholarship
  • • Full college experience
  • • Priority class registration
  • • Good career services

Cons:

  • • Heavy Greek culture
  • • Different regional culture
  • • Higher living expenses
  • • Travel costs
Colorado State
Residential: $26,000/year, $104,000 total

Pros:

  • • Middle ground cost
  • • Still in Colorado
  • • Decent merit aid
  • • Full college experience

Cons:

  • • Emma lukewarm about academics
  • • Not her preferred choice

The Campus Visit Decision

With three options remaining, Emma's family decides to visit University of Alabama before making a final choice. They've never seen the campus, and the merit scholarship makes it a serious contender.

Positive Discoveries
  • Campus is beautiful and well-maintained
  • Academic programs are stronger than Emma expected
  • Students seem happy and engaged
  • Merit scholarship recipients have priority class registration
  • Career services are robust
Concerning Discoveries
  • Heavy Greek life culture (70% participation)
  • Different regional culture than Emma is used to
  • Less diversity than Colorado schools
  • Emma feels like she might not fit in socially
Financial Reality Check
  • Out-of-state students pay more for everything
  • Living expenses are higher than estimated
  • Travel costs between Colorado and Alabama add up
  • True cost might be closer to $32,000/year

The Final Decision: CU Boulder

University of Colorado Boulder
After weighing all factors, Emma chooses CU Boulder with a residential plan

The Compromise:

  • • Live on campus freshman year ($26,000 total cost)
  • • Move home sophomore year to save money
  • • Work part-time junior and senior years
  • • Graduate with approximately $20,000 in family debt

Why This Choice:

  • • Balances affordability with college experience
  • • Allows Emma to start with traditional college life
  • • Provides option to reassess finances after freshman year
  • • Keeps family debt at manageable level
  • • Emma can always transfer if she's unhappy
Emma's Final Reflection
"I realize I spent so much time trying to please both of you that I never figured out what I actually wanted. Now I have to choose between what we can afford and what might be best for me, and I'm not even sure what that is."

Her Realization:

  • • The college experience matters to her more than she initially admitted
  • • She's willing to work part-time to help with costs
  • • She wants to prove she can succeed away from home
  • • She understands the financial sacrifice this represents for her family

May 1st: The Commitment

Emma submits her enrollment deposit to CU Boulder and declines the other offers.

Emma's Feelings:

Relief mixed with lingering "what if" thoughts about Alabama, but confidence that they made a responsible decision as a family.

Her Parents' Feelings:

Pride that Emma is going to college, anxiety about the financial commitment, but satisfaction that they worked together to reach a decision.

The Result:

A plan that balances Emma's dreams with the family's financial reality, with flexibility to adjust as needed.

What Emma's Family Learned

About College Planning
  • Start financial conversations early - junior year at the latest
  • Understand costs before building college lists - don't fall in love with unaffordable schools
  • Research merit scholarships extensively - they can make or break affordability
  • Divorced parents must coordinate despite relationship challenges
  • The college process is more complex than most families expect
About Family Decision-Making
  • Include the student in financial discussions - hiding money stress creates more anxiety
  • Honest communication is essential - even when it's uncomfortable
  • Compromise is necessary - perfect solutions rarely exist
  • Working together is possible even after divorce
  • Students are more resilient than parents often assume
About College Costs
  • Middle-income families face unique challenges - too much income for need-based aid, not enough for full pay
  • Merit scholarships are crucial for many families
  • Every school packages aid differently - you can't predict offers
  • Living expenses vary significantly by location and lifestyle
  • Debt has long-term consequences that affect the whole family

Epilogue: Lessons for Other Families

What Could Have Been Done Better
  • Started college and financial planning in sophomore year of high school
  • Built college list around both academic and financial fit
  • Researched merit scholarship opportunities earlier
  • Established better communication between divorced parents
  • Included Emma in financial discussions from the beginning
What They Did Right
  • Eventually coordinated as a team to support Emma
  • Made decisions based on realistic financial capacity
  • Considered multiple factors beyond just academic prestige
  • Supported Emma through a stressful process
  • Learned from their mistakes for future reference

For Other Families

Emma's journey shows that even families who start late and face coordination challenges can still achieve positive outcomes. The key is honest communication, realistic planning, and working together despite past relationship difficulties.

The college process revealed that Emma is more mature and resilient than anyone expected, and her parents are more capable of collaboration than their divorce history suggested. Sometimes challenging circumstances bring out the best in families, even when the path isn't smooth.

Emma will start at CU Boulder in the fall, living on campus with a plan to reassess housing and finances each year. Her family has learned valuable lessons about planning, communication, and compromise that will serve them well beyond college.

Chapter 6 of 6

April: Decision Time