<p>Upstatemom - totally agree that many if not most will not be able to aviod debt completely, I think the important take away though is the limiting of debt and, when that is the only option, the necessity of realistic, rock solid planning of how to get out of it even if everythig doesn’t proceed according to plan. </p>
<p>Kids don’t have the real world experience to know that planning to pay back a loan is so much easier than actually making payments month after month and when it comes to college, parents are sometimes too guilty about the finances to be as helpful as they could be. This usually isn’t just the kid’s investment in a dream - it’s Mom and Dad’s dream too.</p>