<p>While not necessarily a big disadvantage, there probably is some disadvantage because the number of working years is reduced if your kids go to college when you are in your early 40s vs early 60s. </p>
<p>I have a friend, 45, who next year will have 3 children in college with little to no merit aide. She went from being a SAHM to working part time to now working full time. She will work for the next 20 or so years cover the college costs and build additional retirement.</p>
<p>On the other hand, if she had those same 3 kids in the late 40s (instead of early 20s) she would be 60ish when they finished school.</p>