{"id":3262,"date":"2026-06-21T18:36:08","date_gmt":"2026-06-21T18:36:08","guid":{"rendered":"https:\/\/bostonrelocationinsider.com\/?p=3262"},"modified":"2026-06-21T18:36:08","modified_gmt":"2026-06-21T18:36:08","slug":"the-latest-in-college-pricing-tuition-at-10-of-your-income","status":"publish","type":"post","link":"https:\/\/bostonrelocationinsider.com\/?p=3262","title":{"rendered":"The latest in college pricing: Tuition at 10% of your income"},"content":{"rendered":"<article>\n<div>\n<p><span>College tuition will cost no more than 10% of parental adjusted gross income. That\u2019s it. Grab the figure from Line 11a of your 1040 form, and divide by 10.<\/span><\/p>\n<p>Read more <a href=\"https:\/\/bostonrelocationinsider.com\/?p=3260\">\u2018Toy Story 5\u2019 rakes in biggest box-office debut of the year with a franchise-best $160 million<\/a><\/p>\n<p><span>Starting today, those are the instructions for anyone interested in applying to Whitman College, a small liberal arts college in Walla Walla, Washington.<\/span><\/p>\n<p><span>The school is one of a small but growing number of institutions that are finally answering the extremely reasonable question that families have asked in vain for decades: Why can\u2019t you just tell us the price we\u2019ll pay without having to apply and get in first?<\/span><\/p>\n<\/div>\n<div>\n<p><span>\u201cWe\u2019re not hiding the cost of college behind secret formulas,\u201d the school now proclaims on its website.<\/span><\/p>\n<p><span>Last month, Brandeis University made a similar move by introducing a tool allowing prospective students and their families to upload tax forms and high school transcripts in exchange for a \u201cyou will pay\u201d figure.<\/span><\/p>\n<p><span>What\u2019s in it for you is clear. What\u2019s in it for the schools may surprise you.<\/span><\/p>\n<div>\n<div>\n<div><span>Get Starting Point<\/span><\/div>\n<div><span>A guide through the most important stories of the morning, delivered Monday through Friday.<\/span><\/div>\n<div>\n<div><label>Enter Email<\/label><\/p>\n<div><button>Sign Up<\/button><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><span>Whitman has seen a notable falloff in applications from the upper middle class. Many of those families have high enough incomes to disqualify themselves from much need-based financial aid, but they don\u2019t have enough money to afford the school\u2019s annual list price of close to $90,000.<\/span><\/p>\n<p><span>But even at a significant discount, often in the form of so-called merit aid, those families provide revenue that is above average for the school. Whitman, like a vast majority of colleges and universities, desperately wants its net tuition revenue per student to rise. It hopes to use transparency as a form of competitive advantage.<\/span><\/p>\n<p><span>Here\u2019s how it will work.<\/span><\/p>\n<p><span>First, that 10% figure applies to tuition only. Room and board will cost an additional $16,000 this coming school year, and travel costs, books and a student fee add to the price.<\/span><\/p>\n<p><span>To get need-based aid and participate in the 10% program, you\u2019ll eventually need to fill out the Free Application for Federal Student Aid (FAFSA) to verify your income, but the much more detailed CSS Profile aid qualification form is not a requirement. That means Whitman will not make you hand over only-on-the-CSS-form information about, say, your home equity.<\/span><\/p>\n<p><span>The 10% offer applies for up to four years of college at Whitman. Each year, you recertify your income via the FAFSA. If those earnings change, so will the tuition. Things generally work differently for international and undocumented students, which the school outlines in its FAQ.<\/span><\/p>\n<p><span>If you want to complete the CSS Profile form for Whitman, however, you can. Families with high medical expenses or multiple students in college at once may qualify for more need-based financial aid than the 10% figure yields, which is why the 10% formula has a \u201cyou\u2019ll pay no more than\u201d construction.<\/span><\/p>\n<p>Read more <a href=\"https:\/\/bostonrelocationinsider.com\/?p=3258\">Natalie Lemle digs into debut novel \u2018Artifacts\u2019<\/a><\/p>\n<p><span>And merit aid still exists. A family earning $600,000 &#8212; or $6,000,000 &#8212; may not pay full price if the applicant qualifies for some of it. The school awards up to $35,000 in such aid per year, which may yield a bigger discount than the 10% formula does for some other families as well.<\/span><\/p>\n<p><span>In the class that entered Whitman last year, 6% paid the full price. The annual net tuition revenue per student is just over $19,000, not including room and board, said Adam Miller, vice president for admission and financial aid.<\/span><\/p>\n<p><span>That net tuition figure is just an average, though. Whitman meets the full financial need (for all costs, not just tuition) of every student it accepts, including people with very low incomes who pay the college little or nothing. It\u2019s also \u201cneed aware,\u201d like many other private colleges that lack gargantuan endowments. This means it rejects some applicants with high financial need who would get in if they could pay more.<\/span><\/p>\n<p><span>The need-aware policy allows Whitman some financial control. Still, this new initiative comes with risks.<\/span><\/p>\n<p><span>The school said it had run some models using recent applicant data that didn\u2019t show more than a $200,000 swing in either direction. But it is difficult to predict how prospective students will respond to this level of transparency. There might be more applicants, but fewer might accept an offer. Recessions, pandemics and presidents who dislike colleges and scare off many international students can compound uncertainty.<\/span><\/p>\n<p><span>Veterans of Miller\u2019s trade hope he has nerves of steel. \u201cIt makes my stomach flip,\u201d said Christina Lopez, who spent four years as dean of enrollment management at Barnard College and cut her teeth in New York University\u2019s admissions office. \u201cThey\u2019re going to be flying the airplane as they build it.\u201d<\/span><\/p>\n<p><span>Lopez said she also worried some about the families who could benefit from submitting the optional CSS Profile form and might not get or digest the message that filling it out could help a lot. \u201cThat is a piece that families will not understand,\u201d she said.<\/span><\/p>\n<p><span>But she\u2019s also rooting for Whitman. She sees so much confusion among the demographic that the school is wooing that she teaches a class on college pricing for those families.<\/span><\/p>\n<p><span>Miller, with his FAQ on the 10% plan, said that he hopes to keep things clear.<\/span><\/p>\n<p><span>\u201cWe don\u2019t want to have caveats or lots of things that could be an out clause,\u201d he said. \u201cWe want to be crystal clear about what people could expect to pay, because that is what was missing.\u201d<\/span><\/p>\n<p>Read more <a href=\"https:\/\/bostonrelocationinsider.com\/?p=3256\">Best-selling author and West Roxbury native John Kenney on getting lost and having good friends on the Cape<\/a><\/p>\n<p><span>This article originally appeared in The New York Times.<\/span><\/p>\n<\/div>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Whitman College in Washington state is among a small group of colleges with a new tuition plan.<\/p>\n","protected":false},"author":1,"featured_media":3261,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-3262","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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