@socalmom007 I feel like everyone is dumping on you and I hate to add to that, but one thing I noticed is you said you bought your house for $500,000 and currently owe $400,000. Someone with college age kids who bought their house when the kids were born or very young should have a lot more equity by the time their kids are college age than you seem to have. So that makes me wonder if you either tapped your home equity thereby increasing your mortgage, or if you moved up to a more expensive house?
I want to thank you for your honesty and willingness to engage in this discussion. You, too, @eandesmom. It’s interesting for me, whose gross household income is close to socal’s net, to see things from your point of view.