<p>200k is a lot. Don't kid yourself. It is a lot. It's more than some people's income for 10 years. "The money is there" is very vague to me. He might mean that he is willing to take on 200k of debt for you to go to your dream school. </p>
<p>Scraping together 200k in savings is no easy task to do. Hell, saving up 20k is hard to do. So I think it's imperative that you find out if they do have 200k in savings for your education or are willing to go in debt 200k for you. </p>
<p>The answer to that question should help you decide if you're worried about your parents' finances.</p>
<p>PS I'm not a parent but I thought I'd drop my 2 cents into your 200k.</p>