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I have two in college. Both work. Both live at home. Both are going to a state supported school. My son is saving up to be able to pay next year to live on campus. They rent their books from Chubb when they can. Tuition and fees run about 4K a semester for each one. Book prices are Crazy! No Loans.

Also have two kids in school. With retirements, we get our income down around to where we are not even in the middle class anymore; but live in a rural area, heat with wood, grow big garden, shoot a couple moose and eat salmon, not all the expenses & taxes you find in urban areas; heck no property taxes out where we live, ha ha. Can't get a penny in aid, but can get all the loans; which we don't want. Don't believe all that aid garbage if you make over 60K or are not the proper complexion.

Each kid costs 7-8 thou/semester in state school (tuition, books, room and board). TUITION MANAGEMENT is the way to go. T.U. takes around $1600 out on the 10th of every month for each of our kids and it works for us as long as don't buy a new house, truck, boat, or anything else. $3200 on average/month, our only real expense and it works for us and no loans to ever be payed back to anybody.

Can't even imagine how people send their kids to schools that cost 40-50k/year?????

"No Loans."

Rule #1.

My parents and my own college employment made that true for me. I passed along the boot strapping, at least for my kids' undergraduate degrees (2 out of three in Science).

They rent their books from Chubb when they can.

Please excuse my ignorance, but what is Chubb in this instance? I know that there is a huge insurance company by that name but I don't know of a Chubb involved in education. Thanks.