Also- you need a very long session with your tax returns, credit card bills, bank statements, etc.
Having a vague sense of “we can pay 25K per year out of pocket” is a terrible strategy. You need to get granular right now. “Ok, we can pay 1K per month out of current cash flow by cutting here and here. We can pay $500 per month out of savings, look at this account right here. Kid can kick in 3K per year from summer and school year earnings.”
Don’t walk into a buzz saw. You can’t believe the number of people who never figure out exactly where the money is coming from.
If you think finances are tight now, wait until you are paying tuition…