<p>I re-read Roger’s article for the first time in a couple years. The mindset of the saver is the key, more so than the actual savings. “[T]he family whose budget isn’t already stretched to the breaking point will be able to meet college expenses with much less pain than the spendthrifts.” The family that has low expenses finds it easier to meet their EFC, even when their 529 money or other college savings has been exhausted.</p>