Judge - you just told the story yourself - your cousin walked out of college with $200,000 in debt. You showed how it could be done for $67,000. Or go directly to the state school and graduate with $95,000 in debt(4x $23,600).

Daughter commented on the $200,000 vs. $95,000 choice decisions that friends were making - "that's crazy. The state school is higher ranked." Bingo. $100,000 for the campus views...