<p>Overrun:</p>
<p>Your finances don't sound that complicated, and you should end up with a low EFC and therefore some generous financial aid offers from the colleges. You CAN do it yourself.</p>
<ol>
<li>Get the book</li>
<li>Get out your last year's tax return</li>
<li>Try the financial aid calculator</li>
<li>Start applying to colleges with your son</li>
<li>Apply lessons learned from the book to your situation going forward</li>
<li>Fill out the FAFSA by the due date (you can do it in several sessions online).</li>
</ol>
<p>It will take some time, but you CAN do it. And you WILL be able to pay for your son's college, with some financial aid.</p>