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I agree with the parental responsibility called for by 2by2. It's tough to say "no", but sometimes you just gotta do it. I know that we felt terrible when we didn't send our son to his first choice college. But H pulled up lists of earnings for BS engineers and proved to us that son would not make substantially more income graduating from the $45K school than the $20K school. We could afford the $20K school. As neither the parents nor the son were willing to take on that much debt for the dream college, the decision was made. Now, three years later, we are all quite relieved that we made the choice we did. Graduating debt free gives the student many options in life.

Dusty, we crossed posts, but I just wanted to comment that I would think that somebody who had lived in situations of harsh financial reality would be exactly the person who would make realistic decisions. H grew up with no financial support - zero - and that's why he is now so careful about every dollar. The thought of $100K debt would push him (and me too) over the edge!