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OK, now that I have a FAIRLY good understanding of what we THINK we will may need to come up with for an UG degree (I know, we won't really know...until we KNOW. lol)...How much do we need to save for grad school? My guess is that D will want a masters (She's going to have to be on her own for a Phd if she wants to do that). How do I get started in planning for the grad school possibility?