<p>Yep, we knew that . We are more than half way through paying this one. It’ll be paid next year, and we’ll then take a hefty PLUS to defray the two kids in college. We may get some financial aid with two in college IF S2 goes to a school that meets most need, but then that means committing to an expensive private school for 4 years when we will likely only qualify for a little fin aid the year we have two in college. Maybe S1’s school will kick in a bit but I have a feeling that all we will get is subsidization of the Staffords. I only come up with about $10K of need with two kids, and that’s if the younger one goes to a $50K+ college which is unaffordable to us even with that aid, and we are taking into account using Staffords as it is. If it weren’t for the fact that we have yet another due for college 4years after this next one, I would have him take a gap year to avoid this overlap. But doing that just extends the problem and we are not getting any younger. Sigh. But 401K will be paid back, and PLUS for the first kid’s first year will be paid that year we have two in college. Too bad for us that fin aid apps do not take into consideration payments towards college loans.</p>