DerShteygingYid – Take out a second mortgage.
I understand that you make less than $100K (how much less) and have meticulous budgets. You can’t expect a Yeshiva to take someone who will need a lot of support (homeschooled children almost always do, even (and especially) if they are brilliant, because they are not used to a classroom environment) without getting paid for it. If you are making close to $100K (not $20K) and have no tuition payments, you have been better off financially than almost everyone else with four children who does pay tuition.
That’s reality.
Without knowing your exact budget, I can’t tell you where you can find money, but I personally know many people who live with more children on much less (closer to 20K). With only one tuition, you should be able to find more. Perhaps if you post your monthly budget people here can make suggestions. For example, many people paying tuition are not thinking about retirement. You may be putting away 10% or more in an IRA or 401K that can go to the Yeshiva.
theroshyeshiva – Once you are lying, why not just lie and say you will pay the whole thing, and give them a large donation on top of it?