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[quote=Anonymous]^^PP here....also...medical expenses....and debt incurred when DH on WC for 4 months....plus expenses related to kids (childcare, tutoring, sports, school events/activities, scouting, etc.)

Yes, I get it...some of these expenses are "by choice" -- so I should have said no to travel soccer all these years, I should have said no to the Philmont Trip for scouting, I should have said no to the school class trip overseas, I should have said no to the tutoring all these years, I should have said no to visiting family overseas.  But there really isn't a choice in much of this.

Now...that being said...our kids understand that we work hard and that they enjoy the travel soccer, scouting, class trip, etc. and they understand that there will have to be some college loans at play in order to cover "average" public in-state tuition if they don't want to do the Community College/Guaranteed Transfer route..which we have discussed and they really don't want to do this.  I suspect it has much to do with being in an affluent area and the peer pressure.

I have told kids that I will be willing to help repay college loan debt as much as possible. At least we do have some saved in 529s despite battling DH who to be honest doesn't think parents should pay for kids college.  If it were up to him there wouldn't be any 529s. But that's another topic for another day.

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