<p>Both kids will get their UGMAs and savings bonds at graduation. (Total for each is less than a semester at the flagship, but is enough for some combination of an apartment deposit/car down payment/furniture.) They both still have Bar Mitzvah money in savings (again, not much – enough for 1-2 semesters of books). S1 wants to pay off his Staffords within a year, though DH has been talking to him about present value and building up a credit rating, so he might take a bit longer.</p>
<p>Unless a parent has PLUS loans for a college student, why would one buy insurance on one’s young adult? I don’t have an insurable interest!</p>
<p>DB, am also getting antsy to start doing updates on the house. We have deferred maintenance since we bought the place so we’d have equity to help pay for school. Have started treating myself to some small things (nicer clothes, but on serious sale). Four semesters (S2) and one quarter (S1) to go…</p>