thanks so much for all of this feedback. we just don’t know how we will look on paper, we have a large family, not a high annual income - especially for the amount of dependents, but we did save for all 5 of our kids for college, which is what we would be using to pay for bs, it would cover one year of full tuition, but not 2 (which is what our oldest would be applying for) … so i just feel like it is a great unknown how it will be viewed, and its scary to think of the kids (we would be applying to send her sister to bs the following year) having more debt than we intended overall. but then again, i think we will never regret spending money on education.