<p>Sketchy, I don't think it will help your kids if you keel over from a heart attack!!! Honestly, I'd run the numbers and see how things work out both with and without the second job. Maybe your son could work two jobs during the summer, one during the school year and take out some loans in his own name. You are talking about coming up with $12K - $18K, maybe less if your numbers above didn't take out taxes. Either way, while you still have young children, maybe you could take a PLUS loan and pay it back over time. It may not matter to you if you work a second job when your children are grown.</p>