I agree with Jennifer. The proposition which should be put to the kids is, "We have $40K total each for you to spend on college - what do you want to do with it?" Whatever is beyond that is *their* responsibility to hustle whether it be through personal savings already accumulated or work. (You *have* been telling them that college expenses are *their* worry, haven't you?)Loans may be an option, but I'd only do that for a child already shown to be responsible and with a targeted after graduation plan as to what they want to do. That is, I wouldn't co-sign "so you can go to college" but would for "I want to be a <fill in the blank> so I'm going to college."I know, I know. Some will say college is for education, not job training but education in the abstract (esp. at today's prices) would be a true luxury if one didn't have a plan to actually use it.BG
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