Wow, thank you for all the advice and encouragement; it’s greatly appreciated! This is a great group on here. Yes, my husband is a physician, and I work at a nonprofit. My older son’s stats are the ones posted above; he is unlikely to get any merit aid, and is also unlikely to get into a UC for Computer Science. He just found out today that he was admitted to ASU for Computer Science, but I’m sure it will be full pay. The applications haven’t opened yet for the CSUs, but these are probably his best option (SDSU is his first choice, but Sonoma is more realistic!), so he will apply widely there. He also applied to NAU, which has the WUE program. He doesn’t want to go further than a 6-8 hour drive from home. His younger brother (junior) is the opposite - All AP/Honors with “A” grades in every class ever taken, so 4.6 GPA currently, AP Calc in 9th grade, tons of leadership, music honors, etc. He really wants to go to Caltech or CMU, but is very cost-sensitive, and says that he would also be happy with Cal Poly SLO (such a good kid 
or one of the UCs. Both DH and I are UCLA grads, and we’ve committed to paying the equivalent of UC for both kids. We did just start putting away money to have a head start with the first tuition payments, and we’ll keep that going. It sounds like there’s nothing special as far as 529 plans, etc. (we never get a break!) so we’ll probably just put the money in a savings account for now. I like the idea of the UPromise card, but we already have cash-back cards that net us more cash than that. Despite our lack of college savings we’re good savers otherwise, with over $1.5m net worth and no debt. My 401k plan has a 8% match, so we’ll definitely at least keep that going through these college years. Thank you all!