2. Many of the students that I met at the conference, both U.S. citizens and foreign students, have taken advantage of Harvard’s Middle Income Initiative and are getting a full free ride! Here is how it works: Families who make less than $180,000 a year are only expected to contribute up to 10% of the education cost. There is a sliding scale from there on, until families with incomes below $60,000 are expected to pay $0.00. Yes, your child can get her entire education paid for at one of America’s top universities if she is admitted and your family can’t afford to pay. Most Ivy League schools have a similar initiative. Investing a little time and effort to explore their websites could pay off in a big way for your student-to-be and your family.