if you are paying 21k it means you don’t qualify for TAP, Pell, Massa, BY scholarship money, all of which basically brings down the price by half,
Never heard of these (Pell, TAP) being used out of country. I have no idea what MASSA is (tried looking it up online, got the Gorilla), and Sems don’t (in general, from what I have heard) offer scholarships. Could you please discribe how you have used these programs to lower your cost (L’Toeles HaRabbim)?