A Butcher’s 6 Secrets for Saving Money on Meat

butcher_shop

When I think about thrift and meat — specifically in the U.S., but increasingly in areas like Europe — the first thing that comes to mind is the devotion folks have to tenderness. This tends to be the Holy Grail quality people look for in meat.

To me, this is a backwards approach to quantifying the quality of meat.

What we really should focus on is the flavor of meat. Meat — literally, the muscle tissue, fibers, etc. — has very little inherent flavor. (Most of the flavor we experience when eating meat comes from the fats in and around the muscle fibers.) The flavor that does exist in muscle tissue develops, mainly, from two things: activity and older age. Tenderness comes, mainly, from two things: confinement and younger age. I think you can see which one plays into the hand of the commercial meat industry. As they produce animals that grow faster and faster, they get them to market weight quicker and quicker, but the result is lackluster flavor.

What we are forgetting is that you can address the issue of texture (tenderness) postmortem (after death). You can never infuse more of the meat’s natural flavor into the meat postmortem. If we began focusing on developing flavor in living animals, we could still achieve desirable tenderness for an end product. But, it would turn the current industry approach on its head. (Not that that would be a bad thing.)

I should also add that, contrary to popular belief, the meat from older animals is not inherently undesirable in texture. I address this in many of my workshops.

I bring all of this up because there is an irony in how meat is priced in this country. You pay more for tenderness, but the more affordable cuts are, more often than not, the more flavorful options. Thus, if you know what to do with a cut, you’ll get more for your dollar while also producing more flavorful meals.

Here are my tips for using these factors to your favor when it comes to spending less on meat.

1. First and foremost, eat less meat & eat more vegetables.

Nothing cuts down on the expense of meat in our food budgets like reducing our intake. Meat is often the most expensive ingredient we purchase. It’s also the one that we overindulge in more than anything else (except sugar). We eat far more meat than our bodies require, impacting our health as well as the resources that sustain the animals.

When considering a portion size, choose 4 to 6 ounces. Move away from the large format single-portion cuts, like thick-cut chops and steaks. Instead, share them amongst multiple people, or purchase cuts that allow for smaller individual portions.

Fill the vacated space on the plate with vegetables, and cook them in healthy fats like olive oil, coconut oil, or lards and tallows rendered from healthy animals. The vegetables will provide you with more nutrients, and the fat helps you feel sated longer without the digestive stress that large amounts of meat can cause.

2. Purchase whole animals whenever possible. 

Photo courtesy of Adam Danforth

Adam Danforth holds a chicken for slaughter.
Photo courtesy of Adam Danforth

When you purchase a whole animal you are saving a considerable cost based on the direct connection to the farmer. You cut out a large portion of the overhead and middleman costs attached to meat while giving as much money to the farmer as possible. You also know more about where that meat has come from, if that concerns you.

Smaller animals, like poultry or rabbits, are purchased whole and easily butchered at home. Larger animals, like sheep, pigs, or cattle, can be purchased as whole, half, or sometimes quarter carcasses. The carcass is butchered into manageable, recognizable cuts, then frozen for home storage.

Furthermore, whole animals offer an opportunity to work with foundational cooking components that are otherwise unavailable or more expensive when purchasing stand-alone. This includes bones and fat, two of the most important ingredients in nutrient-rich and flavorful cooking. Turning bones into stock is quite easy, and rendering fat, which can take some time to refine (no pun intended), are both worth the passive time.

Now, just because we can buy a whole animal does not automatically mean that it is sourced from local farmers. When we look to smaller animals, like poultry and rabbits, the vast majority are coming off of commercial operations. In that case, it’s good to look for some measure of production quality, whether it be humane certification — Animal Welfare Approved (AWA) and Humane Farm Animal Care (HFAC) are two good ones — or plainly organic. Even in these cases, buying whole carcasses is still a benefit, and those animals require very little butchery to get what you want out of them. (Breaking down a chicken can be done with most home knives and learned from the vast amount of videos available online.) Even if you choose to roast the animal whole, you can keep the carcass bones and make a roasted stock from them.

If you’re further interested in bones, fat and organs, approaching a local processor can often yield super cheap results, since so many customers of theirs choose not to take them. And, the smaller processors often don’t have the infrastructure to keep them around, so they just head to rendering companies.

3. Avoid the middle meats & skip the tenderloin.

In America, most of the money made off a carcass is from an area called the middle meats — the span of meat along the spine from somewhere around the 5th rib to the pelvis. Common cuts from here are in the rib, center-cut, and loin chops in pork; the ribeye, porterhouse, T-bone and New York strip steaks in beef; and the rib, rack, loin and saddle chops in sheep.

Instead of these more expensive and less flavorful cuts, look to areas just outside the middle meats for cuts that can potentially offer more flavor. In pork and lamb, look for shoulder chops. In beef, look to chuck, Delmonico or sirloin steaks. They may take a bit longer to cook, at a lower temperature, but the results will be more flavor and less cost.

And, above all else, skip tenderloin. It’s the most expensive cut, pound for pound, and it’s also the least flavorful.

4. Learn how to braise and roast. 

The most flavorful cuts are those that have worked the hardest. (Refer to my earlier point on what develops flavor in living animals.) These cuts are often the ones that require lengthier, slower cooking times. Think: shanks, hocks, brisket, breasts, drumsticks, etc. These cuts break down during the cooking time to provide an unctuous sauce (part of the benefit of collagen’s hydrolyzation into gelatin) that will enrich any dish; the vegetables that are cooked with it will provide more nutrients; and any recipe will offer ways to extend it far beyond that of a quick-cooking single-portion cut (like steaks or chops).

Because they aren’t quick-cooking or grilling cuts, or famous middle-meat cuts, the cost of braising and roasting cuts are often much less.

5. Purchase older or dual-purpose animals.

This can be a bit more challenging to find, but availability is increasing around the country, albeit slowly. Older animals tend to be eschewed based on a stigma that they have poor texture and “gamey” flavor, but given the right husbandry and postmortem conditions, older animals can provide a better product than their younger counterparts and at a far more affordable cost. This also goes for dual-purpose animals: livestock that has been raised for reasons other than exclusively meat, e.g. dairy, fiber, offspring, etc.

One way to source these animals is to find a reputable wool or dairy operation and inquire about what they do with their cull animals, the ones that they are getting rid of at the end of a season. In these cases you’ll probably end up purchasing a whole or half carcass (note tip No. 2 above), which may further reduce the cost.

6. Find a knowledgeable butcher, and trust them. 

Most recipes offer a suggested meat to work with, but in many cases it’s not the only option. Talk to your butcher about cheaper alternatives that can yield similar, if not better, results. Also, ask your butcher about what cheaper cuts they recommend, and some guidance in how to prepare them according to your level of cooking. Your search can start here or here.

[Editor’s note: Strictly adhering to a budget plan, especially on your groceries, will allow you to eventually start saving money, pay down bills,consolidate debt and reach your financial goals. A sound management plan can also efficiently subsidize your food budget plan for alleviating debt. If you’re cutting spending to pay down debt and want to see how it’s impacting your credit, you can get two free credit scores every month on Credit.com.]

This story is an Op/Ed contribution to Credit.com and does not necessarily represent the views of the company or its partners.

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The New FICO Score: What It Means for You

new-fico-score

If you’ve always maintained a strong payment history with your cellphone and cable bills and want a little credit for it, you may be in luck. Credit-scoring giant FICO just announced a new scoring model designed to give credit scores based on people’s payment history with their phone, utilities and other bills.

LexisNexis Risk Solutions and Equifax introduced the FICO Score XD to help lenders assess consumers who may not have a traditional credit history but have a strong record of paying non-credit accounts — things that are not in traditional credit scores. In the credit reporting and scoring industry, these people are called “credit invisibles,” and alternative credit scores like the FICO Score XD aim to make them visible to potential lenders.

For consumers who may be struggling to successfully achieve financing for a car, a house or personal loan, because of their lack of traditional credit history, FICO Score XD uses alternative data to determine if they are creditworthy. This data tool evaluates phone, cable, utility payments and public records to generate scores on the same 300 to 850 scale used for standard FICO scores. (You can see what’s considered a good credit score on that scale here.) The alternative payment history on cable, cellphones and utilities is sourced from National Consumer Telecom & Utilities Exchange.

“Alternative data is a critical component and really a driver of financial inclusion,” said Ankush Tewari, senior director, Credit Risk Decisioning at LexisNexis Risk Solutions. “Banks and other lenders are able to expand their addressable market and grow their businesses by leveraging scores that are built on models utilizing alternative data.”

FICO isn’t the only one experimenting with alternative credit scores, and it remains unclear how many lenders will actually use FICO Score XD when evaluating credit applicants. There are dozens of companies with their own credit-scoring formulas, and these companies often have more than one scoring model (FICO alone has more than 50 FICO credit score formulas). That can make it difficult for consumers to understand their credit scores, because every score is different.

The good news is there are many ways to see your credit scores for free — you can get two free credit scores every month on Credit.com — but it’s important you don’t compare different scores to each other. The scales may be different (the FICO Score XD, for example, ranges from 300 to 850, but not all scores do), and the data and math driving the scores may be different, too. By tracking a specific credit score over time, you’ll see how your financial behaviors like payment history affect your credit.

If you don’t want to rely on the possibility of a lender using an alternative credit score in order to get credit, you may want to consider trying to establish credit with a secured credit card or a credit-builder loan.

Staying on top of your bills and keeping your finances under control are imperative to financial empowerment. You can view your credit score free of charge before applying for credit, an advisable measure. And be sure you know the basics when it comes to how your credit score is calculated.

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Want to Pay Down Your Student Loans? These Employers Will Help

Female Woman Sitting At Interview

What are some of the benefits you’d hope to receive from your dream job?

A good salary?

Decent health insurance?

Paid time off?

Matching 401(k) plans?

How about a student loan repayment plan?

If you never thought that having your employer pay for some of your student loans would be possible in the past, now’s the perfect time to reconsider, as more and more companies are starting to add this perk to their list of benefits in an effort to attract talented workers. According to a recent report by the Society of Human Resource Management, about 3% of companies offered assistance with student loans, but that number is expected to start growing.

If student loan repayment is something that could seriously sway you into a new position, consider the following five companies that offer this perk:

1.Fidelity Investments: Offers up to $2,000 per year, up to a maximum of $10,000 over five years, if you’ve worked at the company for at least six months.

2.PricewaterhouseCoopers: Offers $1,200 per year for up to six years starting in July of 2016.

3.Natixis Global Asset Management: Offers a lump sum of $5,000 towards Federal Stafford or Perkins loans for full-time employees with the company for five years, as well as an additional $1,000 each year for up to five years.

4.Nvidia: Graduates within the past three years could qualify for up to $30,000 in repayment.

5.LendEDU: Offers $200 per month — up to $2,400 per year — towards outstanding student debt.

For a more complete list of employers who are offering student loan repayment to their employees, check out this story.

The post Want to Pay Down Your Student Loans? These Employers Will Help appeared first on MagnifyMoney.

The Ins and Outs of the Wally App for Daily Expense Tracking

Overdraft_lg_mobile vs trad

Since most of our transactions happen electronically with a credit card swipe or click of the mouse, it’s easy to lose sight of where your money is actually going each month.

Budgeting apps, like Wally, are a convenient way to keep track of expenses so you can meet savings targets and other financial goals.

How to Use Wally

Wally is available for iPhone and Android. After you download and subscribe for Wally on your device, you will see three main tabs on the left side of the screen: home, income and review.

The home tab is the opening screen and it’s where you enter expenses. You can choose from expense categories including transportation, clothes, entertainment and more. There are also subcategories within each major category where you can get really specific.

For example, under the home category there are additional line items including mortgage, rent, furniture and more. If a subcategory isn’t on the list, you can create your own.

Every time you go to enter an expense Wally will try to guess where you are on a map and connect your expense to that location. You can also scan receipts.

In the income tab, you add up each of your income sources for the month and set your savings goal. At first glance, I could not figure out how to set a goal for this review.

Tinkering around I found out you have to hold down and drag the orange scroll bar in the income section for savings target to pop up.

Here’s what the income section looks like before and after holding down the orange circle:

This is just one example of how the Wally interface is not so straightforward.

The third and final tab on the app is for budget review. This area shows a very basic analysis of your spending by category each week, month and year.

Wally 1

Wally 2

 

 

 

 

 

 

 

 

 

 

This is just one example of how the Wally interface is not so straightforward.

The third and final tab on the app is for budget review. This area shows a very basic analysis of your spending by category each week, month and year.

Who is Wally best for?

Wally is for someone looking to just track money coming in and going out to cut down on excess spending. The budget history section of Wally is a breakdown of your spending with minimal detail. It’s just a pie chart with color-coded expense categories. If you’re looking for an app that has more to offer in the analytics section, this isn’t the one for you.

What does Wally cost?

The best thing about Wally is it’s free. In the future, the creators of Wally may add premium plans with extra features like currency conversion and money management for families. But, there will always be the basic free version of the app that includes the expense tracking tools.

What are the pros and cons of using Wally?

If you’re on the hunt for a budget app, here are a few pros and cons of choosing Wally:

Pros

  • It’s free.
  • It’s available on iPhone and Android.
  • It saves the locations where you shop often so you can enter them quickly in the future.
  • You can assign recurring income and expenses.
  • You can take photos of receipts to store them.
  • There’s a review section where you get a very basic overview of your spending habits.
  • You can export data via CSV and store your data on iCloud.

Cons

  • Wally isn’t as user-friendly as it could be. It took some digging through the user tips manual to figure out the app.
  • The review section for expense analysis is limited.
  • Wally doesn’t link to your actual financial accounts. What your app says and the money you physically have in the bank may not match up if you forget to put an expense in.

How does Wally Stack Up Against the Competition?

SpendBook has a leg up on Wally when it comes to analytics and how user-friendly it is. The basics of the app are relatively similar though. You manually enter your income and expenses.

But, in addition to that, SpendBook has a calendar where you can review budget history down to each day. There’s also a section to manually enter balances from your financial accounts to see how income and expenses impact your bottom line. SpendBook costs $1.99 for iPhone.

LevelMoney is another similar system to track spending except you have the option to connect your financial accounts to the dashboard. Level Money uses your income, expenses, and savings goal to calculate your “spendable” amount, which is like an allowance.

This app is free and available for iPhone and Android. It uses 128-Bit SSL and AES encryption to keep your data safe. It’s also security verified by Intuit and McAfee.

Toshl Finance is a budget system with more options. You can manually enter data. Or you can connect up to two financial accounts for free. Toshl Finance uses your spending habits from the past to create a spending plan for the future.

You can export data to PDF, Google Docs, Evernote, Excel and CSV. You can also sync your Toshl Finance account with other devices. The service has bill reminders and spending analytics. It’s available for iPhone, Android and Windows Phone. The basic service is free, but the advanced version where you can set-up unlimited financial accounts and budgets costs $1.99 per month.

Should You Use Wally?

The biggest negative of Wally is it’s not particularly easy to navigate at first. Still, it’s free. So, if you’re looking for a way to take control of your everyday spending, this app is worth a try.

 

 

 

The post The Ins and Outs of the Wally App for Daily Expense Tracking appeared first on MagnifyMoney.

A New Startup Is Taking Used Car Leases Mainstream

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If you’ve ever wished that leasing a car or buying a used one was easier, your wish might be about to come true thanks to a San Francisco startup Beepi.

The company leases used cars, letting drivers get into used cars at a lower price point than a new lease or used car loan, and without all the hurdles typical to the car-shopping experience.

As you probably already know, traditional auto leases have plenty of advantages over buying a car. Car dealerships offer more incentive for leasing, including $0 down payment for qualified buyers, for example. And when you lease, you also enjoy lower monthly payments and sales tax. However, when car leases terminate, lessees end up surrendering a four-year-old (or newer) vehicle — not very old for a modern vehicle. Beepi sees those cars as an opportunity.

“We’re fundamentally changing the way people buy and sell cars, taking a process that hasn’t changed over the past 100 years and making it simple and trustworthy,” Tyler Infelise, Beepi’s head of product, said in an email. “We’re giving buyers and sellers the simplicity of transacting completely online or in-app. People love it for being the total opposite of what they were used to, and as a result, we’ve grown [10 fold] in the past year.”

According to recent data comparing used car and new car leases, compiled by Merit Mile, used cars make for much more affordable lease options. And because used cars retain 30% more of the original value after three years, used car leases subsequently have an average depreciation charge of nearly $140 less than new car leases. In the end, Merit Mile’s case study found a new sedan lease came in at $553.76 monthly, compared to a used sedan lease payment of $387.01.

Given that disparity, the demand for the Beepi’s model is seemingly growing. The company just launched in Houston, its 16th market.

Before You Lease or Buy

In the past few years, car leases and loans have become more available to people with bad credit, with some analysts even suggesting there might be an auto loan lending subprime bubble akin to the housing bubble of 2008.

Though Beepi does offer customers an affordable leasing option, the company still determines terms based in part on your credit score. It’s important to monitor the health of your credit report and score before you apply for a loan or lease. You can get your credit reports for free once a year at AnnualCreditReport.com, and you can check two of your credit scores for free every month on Credit.com.

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6 Ways to Save on Your Cable Bill

Ivanko_Brnjakovic

It’s a great time to be a pay TV (aka cable) consumer. Really. After decades of helplessly paying skyrocketing TV bills (helpless because many consumers were stuck within monopoly situations) the worm is finally turning. New entrants like Verizon’s FiOS and SlingTV have created genuine competition, while the “cord cutting” phenomenon has helped many consumers ditch traditional pay TV altogether.

The pay TV industry is losing hundreds of thousands of customers every quarter, but roughly 100 million people still pay for TV in the U.S., so reports of the $100 cable bill’s demise are premature (the average cable bill really is $99). In fact, a recent survey by Consumer Reports found that 68% of Americans still pay for cable or a similar service, leading the magazine to conclude that only a “trickle” of people are really leaving pay TV.

In other words, pay TV bills are probably here to stay for a long time. So you might as well avoid the minefield of gotchas that pay TV creates, and save yourself a bundle. If your monthly bill reaches into the triple digits, you might be doing TV wrong. Here are six things to consider.

1. Skinny TV

If you aren’t part of the trickle of cord cutters, perhaps there’s a middle ground you should consider— cutting back, but not completely cutting the cord. This group has been dubbed “cord shavers.”

About 11% of TV fans in the Consumer Reports survey said they had trimmed subscriptions as a way of saving money. Many took advantage of the latest trend in pay TV offerings — so-called “Skinny TV.” Pay TV firms have finally heard the message that consumers don’t watch 150 channels, and don’t want to pay for them. So providers, led by Verizon and Comcast, have come up with new bare-bones bundles that cost around $50. If you have an average cable bill and switch to a skinny package, you’ll save $600 annually. That could pay for a nice new TV … or a subscription to streaming services like Hulu or SlingTV, and still leave you with money left over.

2. ‘Promotion Pricing’

By now, the game is well-known — threaten to cancel, and get a special deal from the cable or satellite “customer retention department.” Everyone seems to know about this, but consumers still get distracted or can’t be bothered and overpay. Paying full price for TV is like paying MSRP for a new car. It’s only for suckers. Make sure to call periodically and ask about your rate. Notice when competitors like FioS arrive in your neighborhood, because competition always makes providers more amendable to cutting deals.

Again, I know you know this. That’s why the real game isn’t about getting promotion pricing, but keeping it.

3. Have a Calendar

We’ve all been there, happily paying our discounted $55 cable bill, when one day, we notice the bill is now $132. Yikes! What happened? The promotion period ended, that’s what happened. If you are lucky, you notice it during the first month and negotiate a new deal— and perhaps even score a refund of that month’s overpay. But many consumers are busy, and don’t notice the increase, and pay for months until they realize just how much the bill has soared.

Whenever you score a special deal from pay TV, it always ends. And it ends rudely. One of the most critical tips to avoiding the dreaded bill doubling is to mark a calendar every time you negotiate such a deal with a reminder to call again before your deal expires.

Sounds simple, right? Not so fast. Here’s a fresh tip I learned recently. Reminiscent of the old days of cellphone contracts, it can be very hard to learn exactly when your discount period ends. It’s often not on a monthly bill, or even on your website profile anywhere. You’ll probably have to call and beg to find out. That’s why it’s so important to write it down when you strike the deal.

But there’s still something else about promotion pricing that might trip you up.

4. Make a Well-Timed Call

When I called my pay TV provider recently to bargain for a continuation of my promotion pricing, I was hit by a new wrinkle: There was nothing the agent could do for me. I called too early!

I had to call within seven days of my promotional price ending, I was told. Until then, the rep couldn’t sign me up for a new “save the customer” deal.

This is starting to feel like the old rebate game, now. The more rules, the more likely consumers trip up. So make sure your calendar note is very precise. And please remind me in about two weeks that I have to call the cable company again.

5. Cut Down on Box Rentals

The old advice to save money on cable was to buy your equipment, rather than rent it. A cable box might cost $50 to buy, but $4 per month to rent, meaning the purchase paid for itself within a year. Recently, that equation has become far more complex, as cable boxes have become more complex. They now support HD, DVR, high-speed Internet, and even wireless networks. So it’s not as easy to buy your box, and in some cases, it’s not realistic.

However, a big mistake consumers make now is paying for boxes they don’t really need. Now that it’s relatively easy to stream channels to smartphones and tablets, it’s quite possible your family only needs one box. Maybe you can add a Roku device or Chromecast to your bedroom TV and skip the box rental for that unit. Maybe you can watch movies on your tablet and skip the box/TV altogether.

Even more promising: The Federal Communications Commission is trying to open up the “box” market to even more competition, which should bring prices down for everyone and spur creativity. To some extent, that’s already happening. Comcast, for example, recently announced it would experiment with boxless delivery of its channels, and let consumers use an Xfinity app instead. Progress!

6. Do You Really Watch That?

All these changes really add up to one big question every consumers should ask themselves: Do you really watch that? Do you really need the all-in 300-channel package from your TV? Is it possible that a $50 skinny TV package would be good enough? Would Sling TV’s 20 or so channels at $20 a month, plus a decent antenna for free over-the-air TV, do it for you? Or is Netflix binge watching, which can cost even less than $20 a month, enough to satisfy your screen needs?

Do a TV-watching audit during the next month or two. I’ll bet you’ll find that you can replace about 95% of your TV/screen habit with less than 50% of the cost. That’s an equation you can’t resist, and could really help you cut your monthly bills. Live, local sports is still the holdout, but with all the money you’ll save, you can probably afford to eat out at your local sports bar with the savings. And you might make some friends, too.

And remember, if you’re applying for new cable service, chances are the company is going to run a credit check. It’s a good idea to do your own credit check before applying for cable so you can be sure there aren’t any surprises on your credit report. You can start by checking your two free credit scores, updated every month, on Credit.com.

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The Best Law Schools for Less Than $18K a Year

best-law-schools-less-than-18K

If getting a law degree is appealing to you, but the annual tuition rates are frightening, there’s some good news. Not all law schools are wildly expensive.

Yes, you can pay more than $60,000 a year for at least one of the more elite schools, but there are plenty of well-regarded schools out there that cost far, far less. In fact, we put together a list of some of the best law schools in the country that actually cost less than $18,000 a year for tuition.

To come up with our list, we looked at U.S. News’ rankings of 196 law schools fully accredited by the American Bar Association. We ranked the schools according to price per year only for in-state tuition (except for Brigham Young University, which distinguishes between Church of Latter Day Saints affiliation instead of state residency for tuition purposes). For schools that provided a per-hour price instead of an annual tuition rate, we calculated 24 semester hours per year (full-time) multiplied by the per-hour rate.

Even at these prices, getting a law degree can start pushing six figures, meaning a lot of students are going to wind up with student loan debt unless their employer is going to help with tuition costs. Even then, there’s still that education debt from undergraduate degrees that could be lingering. That can create a lot of pressure to find a lucrative job, because that pricey law degree probably won’t seem as valuable if you can’t afford your student loans, fall behind on payments and damage your credit.

Keep in mind, there are income-driven repayment plans that federal student loan borrowers can often use to help make loan payments more manageable. (You can see how your student loans may be affecting your credit score by viewing your free credit report summary, updated each month, on Credit.com.)

Here’s our list of the best law schools in the U.S. with tuitions of less than $18,000 a year.

Georgia State University

U.S. News Rank: 57 (3-way tie)
Tuition: $16,858 per year (in-state, full-time); $36,466 per year (out-of-state, full-time)

University of Nebraska — Lincoln

U.S. News Rank: 57 (3-way tie)
Tuition: $14,721 per year (in-state, full-time); $33,415 per year (out-of-state, full-time)

University of New Mexico

U.S. News Rank: 60 (5-way tie)
Tuition: $16,490 per year (in-state, full-time); $35,183 per year (out-of-state, full-time)

University of Arkansas — Fayetteville

U.S. News Rank: 86 (6-way tie)
Tuition: $15,224 per year (in-state, full-time); $31,443 per year (out-of-state, full-time)

University of Mississippi

U.S. News Rank: 106 (5-way tie)
Tuition: $15,036 per year (in-state, full-time); $32,374 per year (out-of-state, full-time)

University of Idaho

U.S. News Rank: 111 (12-way tie)
Tuition: $17,230 per year (in-state, full-time); $31,234 per year (out-of-state, full-time)

University of Montana

U.S. News Rank: 123 (6-way tie)
Tuition: $11,393 per year (in-state, full-time); $30,078 per year (out-of-state, full-time)

University of Wyoming

U.S. News Rank: 123 (6-way tie)
Tuition: $14,911 per year (in-state, full-time); $31,241 per year (out-of-state, full-time)

CUNY (City University of New York)

U.S. News Rank: 131
Tuition: $14,663 per year (in-state, full-time); $23,983 per year (out-of-state, full-time)

University of Arkansas — Little Rock

U.S. News Rank: 136 (4-way tie)
Tuition: $14,447 per year (in-state, full-time); $29,223 per year (out-of-state, full-time)

University of South Dakota

U.S. News Rank: 143
Tuition: $14,688 per year (in-state, full-time); $31,747 per year (out-of-state, full-time)

University of North Dakota

U.S. News Rank: 144 (6-way tie)
Tuition: $11,161 per year (in-state, full-time); $24,836per year (out-of-state, full-time)

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