<p>JHS, I think the family decision about available funds for college needs to be made before the application process begins. The decision in the sprint needs to be made in the context of the previously determined parameters – and I think at that point it needs to be made by the kid, even though the reality of admission into a prestige school or the attraction of an unexpected full-ride offer may change the parental perspective as well. Of course if there are changed financial circumstances, that’s a different question entirely.</p>