Thank you for your advise. My son has told me that the tuition is going up sizeably next year and I feel locking into the current rate would be good. We do not have enough equity in the home to take out a home equity loan.. we are now looking into low interest bearing student loans. We also would not qualify for subsidized loans.. our income is too high. Not much available in scholarships either. But one reply to my posting indicated that if I prepay, my chances of future scholarships could be nill... is this correct? beth
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