I appreciate the information. To be fair, though, my oldest child is in 2nd grade, so I haven't looked into this yet in any really serious way. (Yes, yes--saving is good. Etc.) The sole decision we have made is to put the money we're saving for college in our names rather than the kids'. We also semi-jokingly discuss limiting our income. I could make a lot more than I do, but prefer to work PT when the kids are little. There will come a time when I need to consider going back to work FT. If I do so, depending on what job I take, I will probably bump us from middle-class (true middle-class, as defined by the census...130K is NOT middle class) to UMC, which may actually be stupid in terms of college costs.

Last edited by ultramarina; 03/31/12 09:05 AM.