<p>We were also a full pay but in far less income level. We had debt free, countable assets, and UGMA assets based on previous years’ value, but not current marketable value. </p>
<p>We did not complain because we felt very lucky in not have to worry ‘greatly’ to fund college. I do admit that I was at one time petrified in 2003-04 when investments were 30% of needed funding.</p>