My wife and I make about $130,000 a year. We live in California where the cost of living is sky high. $130,000 does not go very far in California. How does someone in the middle class pay for their kids to go to a top rate college? If you are poor it is free and if you are rich, you can afford it. Why is it that the middle class has to put themselves into a huge amount of debt to go to college but poor people are rewarded for being poor by being offered a free education? Please no one tell me with this income we can afford to send our kid anywhere because that is simply not true. Did anyone on here go to a "top notch" school and NOT take out a lot of loans? Is there a way around this?