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If finances are an issue, as they were when I grew up, you can do far worse than accept full ride scholarships at a good public/private school with a good honors program. Just don't expect it to be easy.

I have zero experience with this honors track thing. How does it work? Surely you don't only take classes with other students in the honors track?

I wonder if the caliber of students at state school honors tracks varies by state. For instance, bright kids who might attend UMass certainly have a lot of other good local options, while I'd imagine bright kids in KS have far fewer high-quality local schools to choose from.