<prompt> Human: My daughter is finishing up her first year at University of New Hampshire and loving it. My son graduates from RIT after next fall semester. With only my income, 78k gross, I am paying insurance for the three of us as well as tuition for her about 11k this year, hes all set from internships. I know next year my FAFSA EFC will go up as he will not be a student. I currently put 18 into my 401k with a value of about 155k, company match is 5. Should I back down that percentage as I feel a bit cash starved right now, or have her look at private loans to lighten my burden? My savings are about 5k cash and 15k in stocks and I will be 51 in April. Thanks.  <response>: 401k for sure. You can get loans for college. There are no loans for retirement. 