My parents did not pay for college at all and did not believe in co-signing for student loans. Crazy as it sounds I was fortunate my dad could not find a job in his field at the time so I qualified for a lot of need based aid. A relative helped out the first year a little. I qualified for a pell grant the next year. My youngest sister got into a state college for another state but qualified for no aid financial aid because my dad was making decent money then but not enough to write a check for $18,000. DH's parents paid for his undergrad with a little help from his grandparents. The budget was 4 years undergrad at his state school, anything else was on the kids to figure out and they didn't pay for grad school. DH worked for spending money and had no loans. He might have chosen a different career if he had extensive loans.
We plan to pay for 4 years of tuition at our state university. We would also like to cover room and board there too but I have to see if we can swing it. If our children want to go anywhere else they will have to win a merit scholarship. We likely make too much for big financial aid, short of having two in college at the same, but not enough to write a check for what at least $80,000 by year 2020. It is crazy how expensive college have gotten. My kids will have a limited choice of colleges within the budget and will have to be very savvy and apply to places where they can get merit aid or considered a good value if they want more than the Maryland state colleges.
I think if you refuse to pay for any college but make too much for generous financial aid, your kids will be very limited. There is a cap on how much a freshman can take in federal loans so if the school costs $30000, your child may only be able to take out $5000 in stafford loans, maybe $2000 in work study and $23,000 is expected to be the parent contribution, parent loan, or you are going with a higher interest loan with parent co-signing to make up some of that contribution.