I don't see a specific forum for college funds so I hope I can ask this question here. We never started college funds for our kids because with a family of 6, there wasn't really a lot of extra money to do so. Now we are more financially able to contribute to funds or save at this point. Is it too late with a first kid heading to college this fall and a high school sophomore and two eighth graders coming down the line? I see our kids taking out the max federal loans, but SOME of the other expenses we will be able to pay. Do we start dumping money into college funds or just save it and pay as much as we can as we go along? Any advice would be appreciated.