I also have a mortgage & current HELOC payment of $3100 on top of monthly expenses listed below. The additional $3,100 means that you are -$500 a month. I am not counting on the additional $20,000 because it is potential. Your home value is probably $550,000 and not $55,000. With a softing of the real estate market, you can't count on that value over the next few years. You are not in a position to pay all of your son's college expenses. Student loans don't normally require payments while a full time student. Debra
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