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[quote=Anonymous]Single mom here. Got them through college with minimum loans. I had to forgo a lot and I'm sure many won't agree but my goal was to get them through without crushing debt so they would have options in their lives that I never had.

I looked on net price calculator and we targeted schools that looked like they would offer enough money. It didn't always work. Two of my kids stayed home, worked, got some financial aid and took out minimum loans. One started at a cc and transferred. One had a grandparent help one year because there was no other way to bridge the gap except private loan.

Two kids got scholarships. That, plus savings, plus current earnings for the last kid got them all through.

No magic. They didn't all get to attend the college but they all got to attend 'good' schools. Most of the time, private schools were the best option. Second best option was instate public. Out-of-state public never worked out; even when they offered money, there was too much of a gap.

One other suggestion is to have them accumulate some credit in high school, whether through AP or testing or whatever to give the kid the best chances of graduating in 4 years. In all cases except one, my kids were able to graduate in 4 years. Most schools will not extend financial aid or scholarships past 4 years so when kids have to stay an extra semester or year, it can be a huge expense.

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