Morty,Tigger may have something but has trouble articulating it. If one is resident of State X then the cost of attending State X University is lower. In addition one could live and eat at home reducing the cost for Room/Board.
For some of the schools in the link a 4 year degree would not take $200000. Some of those places could allow for your $500/month (you noted that was lot- I agree) from birth to work out to be enough.
Stuart Carlson and Jerry Resler