First child will be in freshman HS next year and has very little money saved for college

Paying for College
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If you live in NJ there is the NJ Stars program…you get free tuition at the community colleges if you are in the top 15% of your class.
http://www.njccc.org/njstars/nj_stars.html

if you transfer then to a 4 year college you then can get Significant Scholarship toward the NJ four year college.
http://www.njccc.org/njstars/nj_stars_ii.html