<p>Sorry, milkandsugar, I didn’t mean to sound judgemental. I was just trying to tease out the reasoning. I know college costs are crushing for so many kids and families! I don’t particulary like it when questions like that are asked if they aren’t clear and verifiable because it’s too personal in how you’re expected to answer it. They probably shouldn’t even ask unless there’s some way of accurately accounting for such things, and one that allows for the changeabilty factor.</p>