<<As you can see, there's a mix of opinions on the financial aid situation. I don't know that I'd be that comfortable with the notion that the amount in this account will easily pay for college. >>

My opinion comes from producing a report on tuition & fees at public institutions for a 15-state commission of Western states, from doing institutional research as a career for more than 15 years and as a parent of 3 children, the oldest of whom is starting her senior year of high school. A different opinion than yours perhaps, but not uninformed. I was also not talking about paying for 4 years at Harvard.