Move 2. Community college now, four-year flagship in two years
The most undersold path in American higher ed. Roughly 85% of community college students who transfer to a four-year school perform academically as well or better than direct-entry students once they get there. The National Student Clearinghouse data on this has been consistent for two decades.
More importantly: if you live in California, Virginia, Florida, Texas, or North Carolina, your state has a formal articulation agreement that guarantees admission to a specific four-year school if your kid completes the community college coursework with the required GPA. The strongest:
California TAG: Hit the agreed coursework with a 3.2 to 3.5 GPA at a California community college and admission to one of six UCs (Davis, Irvine, Merced, Riverside, Santa Barbara, Santa Cruz) is guaranteed in writing. UCLA and Berkeley reserve about 30% of incoming seats for CCC transfers.
Florida 2+2: Earn an AA at any Florida College System school and admission to one of twelve State University System schools (UF, FSU, UCF, USF, FIU, FAU, UNF, UWF, FAMU, FGCU, NCF, FPU) is guaranteed. Stack with Bright Futures and you have the cheapest flagship path in America for most Florida residents.
Virginia GAA: Complete an associate's at NOVA or any VCCS school with the GPA threshold (3.4 for UVA, 3.6 for William and Mary) and admission to one of 39 Virginia four-years is guaranteed, including UVA, W and M, Virginia Tech, JMU, VCU, George Mason.
Texas CAP: A student denied UT-Austin can start at UT-Arlington, UT-El Paso, UT-Rio Grande Valley, UT-San Antonio, or UT-Tyler, complete 30 hours with a 3.2 GPA, and transfer to UT-Austin as a sophomore guaranteed.
North Carolina CAA: Any NC community college AA or AS transfers as a complete block of general ed credit to all 16 UNC system schools.
Financial math: community college tuition runs $1,400 to $5,000 a year. Two years there plus two at a flagship totals about $40k in tuition; four years at that flagship directly is $60-80k; four years at a private at sticker is $300k+. The CC path saves $60,000 to $100,000 for the same diploma.
The full state-by-state articulation breakdown is at kidtocollege.com/decide/gap-year (Scenario 4).