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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I really hope no one is doing this. [/quote]

Tons of donut hole families pay for college primarily through loans. Both my parents and DH parents funded our educations this way.  
They paid off the loans within a few years of their kids’ graduations. [/quote]j

I don’t know how old you are, but things have changed a lot since I went to college.   It got way more expensive relative to income and also there are now much more opportunities in need and merit based aid.  Two of my kids are in college now, and among their circle there is no one whose parents are paying for college primarily through loans.   Some loans - yes, but otherwise it’s savings, cash flow and merit aid, some need based aid too.[/quote]

Well if you can pay for college with a loan at a low rate, say under 5%, technically you are making money because your investments should return a bit more than 5%. I plan to pay for my kids college with a HELOC, which right now I can get at 3.5%. Each year I am therefore earning a couple percent spread on my investments. Would be dumb to pay cash[/quote]

Technically, this is true, but it’s likely to become a penny wise and a pound foolish. Same argument that borrowers made about house down payments prior the Great Recession. Supposedly, they were going to make a spread in the market to mortgage rates. Then, the market tanked and house prices declined and many of these homeowners had little equity. Oops!  [/quote]

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