The most costly, of course, are private schools (which is where my daughter wants to go). However, the "financial back-up plan" of in-state 4-year universities

The most costly, of course, are private schools (which is where my daughter wants to go). However, the "financial back-up plan" of in-state 4-year universities is not exactly affordable either. In-state cost of UCLA, for example, is $37,385. UC Davis is $38,956 for California residents.