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[quote=Anonymous][quote=Anonymous]I get it, op. I’m also a planner and have followed the same savings plan as you. I’m putting $800 each month into the kids 529s because I want them to avoid the debt I carried into my 30s.

However, you aren’t going to get any answers that satisfy your curiosity. I was ‘lucky’ to only have $120k in loans so I was able to dig myself out. Lots of people who are looking for full rides for their kids are probably doing so because they are still paying for their own loans.

Or - 
They are bad savers/planners
They had to support other family members 
They love to live in the moment 
They think kids should pay for college just like they did, but are now realizing costs are as high as people claim
Grandma isn’t paying, like she always claimed she would
Parent burned out at the big firm and their salary decreased 50% but they want to stay in the high mortgage house so the kids can keep their schools and friends
Th[b]ey had a medical emergency that wiped out their savings[/b]
They paid for their own loans until 42 and are now trying to build up their retirement
...

All these things, and many more, can be the reason why a UMC family hasn’t saved for college.

[/quote]

I think events like this happen far more often than most people realize. It's a major issue in the U.S., and the reason for the battle on how to revamp our healthcare system. No person should have such a negative economic impact socially and individually because of the marked up costs of basic prescriptions, procedures, and facility use. Most of the cost covers overhead for things like malpractice insurance that is built into these crazy costs and expenses. A solid middle class family, before ACA, that was pregnant (the most common operation is for a c-section in the us) would get dropped from insurance. Medicaid/medicare is expensive because of disability expenses. You can't put your head into the sand over things like this, and also expect a 100% medical and economic recovery. It's tough, but it is the struggle for a lot of Americans.[/quote]

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