If we are talking UC, and in-state tuition, AN then I don’t think that’s *that* difficult – some ways are like those that BG has mentioned. They have to be driven, savvy, and responsible. There is a lot of discretionary money spent unwisely on living expenses and the kids need to learn how to make sacrifices, be responsible and live under their means. That’s what I meant to encourage. If they are poor, they know how already. Otherwise, they should be allowed to borrow at higher rate – to pay for that privilege. BTW, nobody is entitled to realization of full potential, or to a good college. If they are poor they are more likely to get grants and income-based aid or waivers.