Last month (November):
Years left: 2.75
P =$1,054.86, I =$159.55, Escrow =$788.73
This month (December):
Years left: 2.5
P =$1,066.94, I =$147.47, Escrow =$788.73
One month’s prepayment savings: $7.90
DC1 currently goes to private school. Ze goes to private school because ze needed to start K early and the public schools wouldn’t talk to us about that.
The public schools have now changed their tune. They have a district webpage on how to start K early, how to skip individual classes, and how to skip grades. They note that enough people have taken these options that they now offer 7th grade algebra and 8th grade geometry at the middle schools.
At the same time, while we’ve been living in this transition neighborhood (the last frontier not changed into student housing, though I’m fairly sure there’s a houseful on our block), our school zones have changed twice. And each time they’ve gotten worse. We are now in the worst elementary school zone, and the “athletic” middle school. Note that neither of these schools are the closest to our house… no, we’re the “rich” neighborhood that gets moved every 5 years to even out the “poor” districts, instead of the actually rich neighborhoods that never get touched.
If DC2 doesn’t need acceleration, then we have a chance at lotterying into a bilingual program at one of the better elementary schools. That still wouldn’t have been enough for DC1 (and hasn’t been enough acceleration for some of our collegues’ kids, though it did work out until said kids became fluent in Spanish, at which point the lessons became much too slow). Of course, DC2 has been, if anything, hitting milestones earlier. Hir birthdate means that maybe only one year of acceleration would be needed instead of two (ze just makes rather than misses a cutoff), but that’s still one year too many to be eligible for the bilingual program even if ze did get in.
So that leaves us with choices. 1. We could move before DC2 needs to start kindergarten, which could happen sooner than we think. If we’re going to do this, it might make sense to sell the house before sabbatical/unpaid leave so we don’t have to deal with renters, just storage. (Untold moving costs, though we’d probably buy a smaller house if we bought again, but I’d probably also get a longer commute which would suck.) 2. We could send DC2 to the same private school that DC1 goes to ($9K/year). 3. We could not try to accelerate and see what happens with the bilingual program lottery. (Free, except in potential future therapy bills) 4. We could accelerate as fast as possible through the elementary school and just cope and deal. (Free, except in time spent in conferences with the school.) We could also rent an apartment in a better school zone, but the quality differential isn’t enough for that to be a feasible option like it might be in a large city– none of the elementary schools are all that great.
And who knows, the school zones might change again.
I’m guessing we’ll probably just stick with the same private school if it’s still in business. Who knows.
Why is this all so hard?