CHAPTER THREECHOOSING, AFFORDING, AND OWNING COLLEGE (AND GRAD SCHOOL)

Congratulations, young Millennial. You sat through Saturday morning test prep courses for six months, took the exam twice, and received a score you could live with. You spent the other weekends visiting campuses, likely with your parents, roaming through student unions and buying T-shirts you will most certainly give away if things don’t work out. You worked grueling late nights on your 500-word essay about that time you faced a challenge in your life, overcame it, and ended up better for the experience. And one sunny afternoon, you opened your inbox and received the news—you’re in. No matter how monotonous it all seemed before, there’s no better feeling in the world.

That’s ...

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