The marketing exists outside of the "buy now, pay later" scheme.
"Buy now, pay later" is not a scam.
77 karma · joined May 6, 2022
If you're actually involved in creative work, knowing your niche is extremely important.
In my case, using the calculator estimate dropped it from $79k to $70k. And this is just an estimate, I doubt I would even receive 9k from the needs based scholarship. https://npc.collegeboard.org/app/bu?sessionId=N5uYUvK7OuteM4
https://npc.collegeboard.org/app/bu?sessionId=N5uYUvK7OuteM4...
There is a huge gap in between, that isn't addressed in your comment. 80k/year is still expensive to someone whose parents make 100k.