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You are in a wonderful position to do some research now, before your son is a senior. I recommend Paying for College Without Going Broke by Kalman Chany (Princeton Review). A new edition comes out every October.
I would also fill out one of the online EFC (estimated family contribution) calculators and see what number they come up with. Then you can play around with the numbers and see how that effects your EFC. It is very educational.
I was in your shoes a few years ago...I felt totally overwhelmed. My oldest son is now a freshman at UCB and received a great financial aid package (loans, grants and work study).
In our situation, it was best for my son to sign up with the campus health insurance policy. The campus policy covered dental (ours does not) and he needed his wisdom teeth extracted this year anyway.
Best to you.
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