1) Have both kids start out at a LOCAL community college for the first year or first two years. Make certain that they check the courses they take are 100% transferrable to a 4-year college.2) Year 3-4 of post high school education can be completed at a LOCAL university where room and board are not necessary. If they really, really need to go to an out of city/out of state college for a specialty, tell them to get really, really good grades so they can get a scholarship.It doesn't sound like either you nor they have enough money to go to an out of city college at this point. Taking out mega loans when it isn't necessary is just foolish.My .02Jennifer
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