<p>You know, the easy, no brainer way is to just say, “We’ll pay for college. If it goes over XX amount, then you need to get loans for that.” Then make the XX amount the higher expected number for the younger sister, whatever that ends up being.</p>
<p>I think most parents who intend to pay for college…pay for college. Without complicating things by putting an exact number on it, as nothing goes as planned. I sincerely doubt that most kids compare how much their parents spend, and don’t even know the exact numbers.</p>