160k non target or 200,000 for semi target

What firms pays you 200k?

Edit: lol

I think he’s talking debt to go to a college right?

Target.

If you said ~$30k for a solid state school vs $200k for target that would be a different story and I’d go for the less expensive option. But if you are already going to pay $160k, I would spring for the additional $40k for the top school.

You kinda need to share the schools to get any reasonable insights here. I'm not sure what you're concerned with in not sharing school names; you're even anonymous.

Don’t make your decision on IB placement lol. Go where you’ll have a better overall experience. Getting a seat in IB (if that’s even what you want to do) is like a few months of work out of your whole undergrad experience.

Further, targets are just selection bias. If you can cut it to place well, you can do it from either. If you aern’t cut out for it, your school won’t matter.

Wayyyyy more to college than finance my friend. No matter how ‘hardo’ you are, recruiting is still a small portion of your college experience.

I would look for a few things.

1. Think about where you want to live/be for the next four years. If you do it right, you will look back on your college experience very fondly. It is important to “be where your feet are,” and enjoy where you live.

2. If you are interested in IB (obviously you are), I would recommend looking at what clubs are available. I go to a SEC school, non-diversity, and was able to break in. The club I am a part of was a major impact.

3. Ties into #1 but I promise you that having a school culture that you enjoy is the most important thing. I go to a school where athletics, community, academics, and social life are all very important. I could not imagine going to school with no major athletic events, but that was something important to me.

I’d say pick Blue Mountain State over Hustlers University.

Go to semi-target then transfer into an even better target school if you could

I think the marginal 40k in debt should pay off due to relatively better branding and opportunities at the semi-target. Would’ve been better if you gave examples of the schools or similar.

If the difference is only $40k, you have to go with the semi target, no questions asked.

Even outside of your specific example, just think about the lifetime earnings of someone at the non-target and think about the lifetime earnings of someone at the semi target

Neither don’t fall for it, don’t go to college.