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I'm not sure what you are looking for but all three of ours graduated college without loans. They were responsible for books and personal expenses. We paid for four years - room, board, tuition and fees and transportation to and from school.

Two went to public out of state and one went private. The oldest is now 32 and the youngest is 26. We told them what we would do and the choice of college was theirs. Two of them went with some scholarship money and the third chose a college where he didn't have any. Their college choices had no financial benefit or detriment.

There isn't any magic. It was a priority for us. We didn't have a specific dollar goal but began saving when the oldest was born and would have postponed retirement to get it done. My husband was diagnosed with what was a terminal illness a few months after our youngest graduated and died about 18 months later. College is a gift I am glad we gave to the kids. None of them had been to a Disney property and they could count vacations on one hand.
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