The one thing that cars and colleges have in common is that their sticker prices are useless. Some of the most expensive schools have equally large financial aid packages that can eliminate college costs. Instead of relying on the advertised price, students can get a clearer idea of what they’ll actually pay by researching each school’s net price, which includes an estimate of their future financial aid package. Using data from the Department of Education’s College Affordability and Transparency Center  and updating it with more recent net price figures from the National Center for Education Statistics, we’ve determined that these schools have the highest net prices.
1. Pacific College of Oriental Medicine, New York City campus
Net price: $49,670
Pacific awards scholarships, but this holistic healthcare school still costs a proverbial arm and leg, in part because of location. While tuition at this for-profit school is actually lower than costs at the average four-year nonprofit private college according to the College Board, housing, transportation and living expenses in NYC make it almost as expensive as owning a home.
Ben Kaplan, a Harvard grad who won over $90,000 in scholarships and the author of How to Go to College Almost for Free: The Secrets of Winning Scholarship Money, says that before borrowing big, students should research job possibilities and earning potential after graduation. “…people get into trouble [in] fields and schools that cost a lot and the actual job prospect out of that is not substantially better than something that costs a lot less,” he says.
2. School of the Art Institute of Chicago
Net price: $42,882
One of the fastest ways to tack on college costs is to stay longer. This fine arts institution has graduation rates above the national average, but only 38 percent of all full-time, bachelor’s degree seeking students graduate in four years reports the Department of Education.
“The worst financial decision you can make is taking out a lot in loans and not finishing your degree,” Kaplan says.
Students can research their school’s graduation rates at the National Center for Education Statistics’ College Navigator site .
3. West Coast University, Orange County, California campus
Tuition: $31,500 – $33,600
Net price: $42,807
Only offering degree programs in nursing, dental hygiene, healthcare management and pharmacy, job prospects abound for West Coast grads, but you’ve got to know that’s what you want.
“…most students usually change their minds about what they want to study and what their career is,” says Kaplan.
Before enrolling in a school with a narrow focus, Kaplan recommends getting a firm understanding of what those degree programs entail and what work in those fields is like in the real world.
4. Southwest University of Visual Arts
Tuition: $22,488 (Albuquerque campus), $22,944 (Tucson campus)
Net price: $40,904 (Albuquerque campus), $40,332 (Tucson campus)
One way to land more aid is to examine what expenses the financial aid formula doesn’t consider. Your family’s income and assets from the year before will be considered on the federal aid formula, but factors like medical expenses or divorce costs won’t be.
If you have a special circumstance that’s not considered in the federal aid formula, Kaplan advises students to request a “professional judgment” through the school’s financial aid office.
“…certain schools will add that back into the formula that will actually increase your financial aid,” he says.
5. Ringling College of Art and Design, Sarasota, Florida
Net price: $40,222
If your school doesn’t offer a robust financial aid package, there are other options. Organizations ranging from nonprofits and professional associations to religious institutions and community groups offer assistance. Students can start the scholarship hunt by researching awards in their own area and through national search sites like Fastweb.com and Meritaid.com.
“[Students] think you have to be the next Doogie Howser to do this and they don’t realize all the kinds of scholarships that are out there…,” says Kaplan.