This story about college costs was produced by\u00a0The Hechinger Report, a nonprofit, independent news organization focused on\u00a0inequality and innovation in education.\u00a0 By most measures, Aboubacar Konate was an outstanding candidate for college. Konate graduated second in his class from The English High School in Boston with a 4.5 grade-point average. He was on the student council and debate team, took Advanced Placement classes in history and chemistry, speaks four languages, worked a corporate internship and played three sports: soccer, basketball and track. He did everything he thought was needed to become the first in his family to go to college: worked hard and proved that he was smart enough to make it. \u201cI went through all the hoops, the struggles, the obstacles,\u201d Konate said. \u201cCollege was my dream and my goal.\u201d But the aspiring engineer fell short on one other measure: having the money to pay. His father didn\u2019t make enough to save for tuition; if there was anything left after covering rent and food for Konate and his two younger sisters, his father used it to support their grandparents. And while Konate won a substantial scholarship from a foundation run by onetime Boston Red Sox player Adrian Gonz\u00e1lez and his wife, he still fell far short of what the private universities he\u2019d dreamed of attending expected him to pay. The best deal he could get was from a private engineering college that offered Konate little to no financial aid, despite his high school record and economic situation; he would still owe more than $30,000 a year, even after subtracting his Gonz\u00e1lez scholarship. He couldn\u2019t afford it \u201cI lost all hope,\u201d Konate said. \u201cMy family does not have money like that.\u201d Instead, he enrolled in a less expensive public university. When students do this, studies show, it often leads to lower post-graduate salaries or a higher likelihood of dropping out, reinforcing a cycle of income inequality. An increasing number of American families are finding themselves in the same situation, according to federal data analyzed by The Hechinger Report in collaboration with the Education Writers Association, or EWA. For them, after years of escalating college costs and stagnant earnings, the higher educations they desire for their children are conclusively, decisively and categorically out of reach. \u201cWe\u2019ve become numb to the problem of college costs. But this can be a bit of a wakeup call for people,\u201d said Julie Margetta Morgan, a fellow at the liberal think tank the Roosevelt Institute, which focuses on economic policy. The message: \u201cThere\u2019s a giant pool of hardworking students out there who are doing everything right from an academic perspective, the exact story you\u2019d want to see in terms of dreaming big. And many of these students are priced out,\u201d said Mark Huelsman, who studies education trends as a senior analyst at the left-leaning policy organization D\u0113mos. \u201cIt\u2019s heartbreaking.\u201d It\u2019s also simple math: The net prices charged by some private colleges and universities \u2014 the actual cost, after grants and discounts \u2014 are now significantly higher than some families\u2019 entire annual incomes, the analysis, of U.S. Department of Education data, shows. There\u2019s some good news in the numbers: The average net price has stayed fairly flat for a decade now, at both public and private institutions, for families earning between $30,000 and $48,000. It\u2019s even dropped slightly at private colleges and universities for families that make $48,000 or more, as those schools dole out more financial aid to fill seats in the sixth year of an enrollment decline. But for families at the bottom of the income scale, earning $30,000 or less, the cost of college continues its relentless rise, with their average net price, after discounts and financial aid, reaching nearly $20,000 a year at private, and some public, universities and colleges. The figures are for 2015-16, the most recent year for which they are available. And those are just the averages. Some private colleges charged a net price of as much as nearly $42,400 a year for families with annual incomes of $30,000 or less. One school, the Southern California Institute of Architecture, charged a net price of nearly $50,000 for students from families earning $30,000 or less; another, the California Institute of the Arts, nearly $48,000. The same institutions are equally pricey for middle-income families, costing up to more than $43,700 for those making $30,000 to $48,000 and nearly $50,000 for families that earn $48,000 to $75,000 a year, after scholarships and grants. The data are available in the updated Tuition Tracker, a tool produced by The Hechinger Report and EWA for students and their families considering college. The website discloses the net price based on a user\u2019s family income, and other essential information, by institution. \u201cIt is completely infeasible to think that families can dedicate even half to three quarters of their income to put their kid through college,\u201d never mind their entire incomes or more, said Debbie Cochrane, vice president of The Institute for College Access and Success, which tracks the debt to which many students turn to fill the gap. The highest-income families pay, on average, 15 percent of their earnings for college, according to earlier research by the Institute for Higher Education Policy, or IHEP, while low- and moderate-income families are expected to finance an amount equivalent to 100 percent of what they make in a year. By that calculation, half of 2,000 institutions analyzed by IHEP were affordable only to the wealthiest students \u2014 those with annual family incomes of $160,000 or more \u2014 and one-third only to students from families that made at least $100,000 a year. A separate D\u0113mos study found that, even at public universities, students from families earning $30,000 and less in 22 states face net prices of more than $10,000 a year. The net price of college is the equivalent of a third of black families\u2019 median annual income \u00a0\u2014 and, in 26 states, more than half \u2014 and a quarter of Hispanic families\u2019, compared to about a fifth of what white families earn. (The study was supported by the Lumina Foundation, which is also a funder of The Hechinger Report.) Incomes likely to be lower These students often choose cheaper community colleges and second-tier public institutions with far fewer resources to support them, and lower graduation rates. If they do succeed in finishing, their incomes are likely to be lower than if they had attended one of the elite universities or colleges they couldn\u2019t afford. \u201cHow affordable a college is doesn\u2019t mean it\u2019s the right choice for a student,\u201d said Brendan Williams, director of knowledge at the nonprofit UAspire, which helps low-income and first-generation students navigate the route to college. \u201cThe cheapest option is not always the best option.\u201d This, in turn, perpetuates socioeconomic inequality, critics say; a new Federal Reserve Bank of New York report confirms the logical conclusion that students who go to less selective colleges and universities earn less than those who enroll at more selective ones. The frustration for them is that the college they can afford is based as much on their own earnings after graduation \u2014 from which they\u2019ll need to repay all the money they borrow \u2014 as their families\u2019 incomes. The maximum a first-year student can borrow with a federally subsidized loan is $5,500. That\u2019s usually nowhere near enough to cover what many low-income students are left to pay for college, forcing them to resort to parent and private loans. \u201cWe haven\u2019t come up with quantitative cutoff about how much a student should borrow, because each individual student has to balance their own situation,\u201d said Mamie Voight, vice president of policy research at IHEP. \u201cThey need to do that calculus themselves, about what they can reasonably expect to earn with a degree.\u201d In addition to diverting many lower-income undergraduates to poorly resourced schools, the price also forces more of them to balance work with college than their higher-income classmates, which a new study by the Center on Education and the Workforce at Georgetown University finds significantly lowers their grades and prolongs the time it takes them to finish; only 22 percent of low-income students who work graduate within even six years. Konate, who turned to UAspire for help, ended up at the public University of New Hampshire, which offered him more generous financial aid \u2014 though he was responsible for costs besides tuition, worked while in school, and still ended up with $60,000 worth of federal and private loan debt by the time he graduated last year. \u201cIf you\u2019re in my shoes, you can\u2019t do anything about it but just go look for somewhere that\u2019s more feasible for you,\u201d Konate said. Now a structural engineer, he mentors younger students in the same straits. \u201cThey have their hearts set on a school, but they just can\u2019t afford it,\u201d he said. \u201cIt worked out for me in the end, but for a lot of other students, it doesn\u2019t, and they leave. Your dream of college fades away.\u201d Myiesha Robateau followed in Konate\u2019s footsteps, graduating in the spring from Boston English. She wasn\u2019t offered enough financial aid to go to her first choice of college, either, and instead began this fall at the public University of Massachusetts, Amherst. \u201cIt\u2019s frustrating,\u201d said Robateau, the first in her family to attend a four-year university. \u201cEvery student deserves to be able to go where they want.\u201d Kate Flock for The Hechinger ReportMyiesha Robateau wasn\u2019t offered enough financial aid to go to a private college and instead began this fall at the public University of Massachusetts, Amherst.The overall cost of net tuition, fees, room and board rose 69 percent at public universities between 1997-98 and last year, even after being adjusted for inflation, according to the College Board. That\u2019s a period during which the Census Bureau reports that median household earnings fell. \u201cThe price inches up each year while family incomes for the vast majority of Americans stagnate,\u201d said Huelsman. This is not a secret to families with college-aged kids. Sixty-nine percent say they had eliminated a college from consideration because of the price, according to a survey by the student loan provider Sallie Mae. A record 15 percent of first-year students told another national survey, by an institute at UCLA, that they had to forgo enrolling at their top choice of college because of the cost. That\u2019s up 60 percent since 2004. Disclosure required Colleges are now required to disclose their net prices and provide net price calculators from which families are supposed to be able to determine the ultimate cost based on income. But the IHEP survey found another problem: The net price calculators at 80 percent of colleges were inaccurate or out of date. There are some caveats to the data. They cover only up until the 2015-16 academic year, and do not include students who do not receive federal financial aid, because the government can\u2019t track them. They also don\u2019t take into account regional variations in the cost of living. The bottom line is that the gates of some campuses are effectively closed to growing numbers of Americans, however, regardless of their academic talents. \u201cThere is that whole idea where if you work really hard and get good grades and do all that stuff you\u2019re going to be able to go to college and it will be affordable,\u201d said Williams. \u201cAnd that isn\u2019t true any more.\u201d This story about\u00a0college costs\u00a0was based on data from\u00a0Tuition Tracker,\u00a0a tool produced by The Hechinger Report and Education Writers Association for students and their families. The Dallas Morning News contributed.\u00a0Find out how much students in different income brackets pay at any U.S. college\u00a0or university.