<p>I agree with dragonmom, in that I think those who have children later in life should have been saving all along. My H was older when we got married, and he already had sizable retirement savings, so we switched to saving some outside of retirement funds at that point. I think people who are working should be saving, for retirement or whatever, even before they have children. Both of us grew up in frugal households, so saving was always part of our lives.</p>
<p>My dad retired while I was in college, and I did not see much change in need based aid. I did have scholarships, and I was paying my own way by working, so a little more aid might have helped.</p>