<p>mom2collegekids - wow, what a wake-up call. You are, of course, right. I am a single mom with no other financial resources but my salary and the prepaid tuition fund I set up when my son was a baby (will pay about $8k per year). You make excellent points. He;ll be re-taking the ACT in September after some tutoring! To be honest, I’ve been planning for “worst case” and now a score like this opens many doors.</p>