Welcome! I see by your post count that you are new.
1. Where are most homeschoolers sending their kids to school?
1. I can only speak about what the homeschoolers in my city are doing:
a. Our DS#1 did, and many of the local homeschoolers in our big homeschool group do, the "2+2 option" -- 2 years of gen. ed credits at the MUCH cheaper local community college and then transfer to an in-state university and finish the 4-year degree.
b. I know several local homeschoolers who did the at-home/all-distance degree through College Plus (now Lumerit). (At the time, this ran them around $13,000-16,000 to earn a 4-year Bachelor degree in 2-3 years. Lumerit is now a good $25,000 total for finishing a 4-year degree in 2 years, so less of a "deal" than it was just 5-6 years ago. Also note: no federal aid is available for this option.)
c. I know 1 local homeschooler currently attending Berea University (a "free tuition college" -- students work part time at the school to pay tuition),
d. and his sister was a National Merit scholar (high score in 11th grade on the PSAT test), and landed a full-tuition scholarship to a mid-western university.
e. Many local homeschoolers are attending the local university as commuter students while living at home and working part-time, and have partial scholarships or grant aid.
f. A number of local homeschoolers go the route of 2-year vocational-tech Associate degree, and work, or go straight to working and are working their way up into the company -- so no 4-year college degree for a number of homeschoolers, as that is a much better fit for many students.
2. In regards to college-bound homeschoolers, are most of them living at home after graduating and commuting to local schools in order to reduce costs?
3. My daughter is considering taking a GAP year after her senior year; theoretically, could she study for more AP courses through Modern States during that year and take more AP exams to help reduce her college credit requirements?
3. Edited: Check to see if the college has a deadline date prior to the start of college enrollment for acceptance of credit-granting-exams, as some schools do not accept CLEPs for credit towards the degree if taken while enrolled.
re: gap year
A gap year comes between high school graduation and college**, and you can NOT take ANY courses at ANY college during that time, or you automatically lose freshman eligibility (which is when you are awarded the most scholarships, for the highest amounts, and the scholarships are usually renewable -- i.e., good for 4 years). Taking ANY class will turn the student into a transfer student, and there are far fewer transfer scholarships offered, usually for a much smaller amount of $$, and usually they are 1-time awards (i.e., not renewable).
** = there are some students who take a gap year DURING college, halfway through, but that does not affect freshman eligibility status -- although it could impact other financial awards, so you really need to check the individual college's policies on gap year
...My children seem above average but not necessarily in the highest accolade category. I have three children, so that would cost us 240k altogether. I'm surprised that most homeschoolers can afford these high fees. Excluding federal aid, the maximum amount being about 5k a year, and loans, which I will not procure, the costs seem prohibitive.
...Thank you in advance for your nuggets of wisdom.
Yes, college is through the roof, and no, most homeschoolers I know are NOT paying those "full freight" costs. For more ideas on how alternatives for funding college or reducing college costs, check out threads linked in post #2 of the big pinned thread at the top of this board: "Transcripts...Scholarships/Financial Aid... links to past threads here!" Here are a few to get you started:
"High scholarship earners: which test and at which grade did your high schooler take?"
"s/o Cautionary Tale: High Costs of College -- a brainstorm $$ ideas thread!"
"How are YOU managing to pay for college?"
Edited by Lori D., 13 March 2018 - 04:15 PM.