<prompt> Human: We tried to save some money for our two kids for school. Now that its time to actually start paying, I am fuming. I am posting my story so that other parents can learn from it.Heres our story: When our kids were 3 and 5 years old we started putting away 100month per kid into accounts for each of them. This was the first time we got our head above water financially and had the money to spare. 3 years ago we realized how close college was coming so we bumped it up to 200 each per kid. My wife and I both work but combined we make about 95k before tax. We are solidly middle class but we still budget and after saving for retirement there just isnt much left for anything extravagant. My kid did well in school 3.7 GPA, but did not qualify for any scholarships. And guess what, because we earn so much our kid gets no fucking aid except for unsubsidized loans that will end up having terrible interest rates.So how did this whole saving plan work out for us? Well, the oldest only has 23k total saved. They are going to a public university but the cost is still about 22k a year. IF the fucking price stays the same then we are short 65k - even though we started saving relatively early. So the choice was do we pay about 1350month for the oldest kid to go to school or take on loans? The loans won and now when my kid, who we worked hard for, and who worked hard to get into school will end up with 65k in debt when he graduates. And we had to cosign so that debt might end up back with us.I honestly feel like the amount of money we saved which was a hardship for us some months was just a drop in the bucket. To have my son start his adult life with that much debt in this economy makes me wonder what the hell happened.  <response>: combined we make about 95k before tax. We are solidly middle classJust have to say, that income puts you in the 77 percentile for the US as a whole, being in the upper 14 isnt solidly middle class, you are upper-middle class...because we earn so much our kid gets no fucking aid except for unsubsidized loans that will end up having terrible interest rates.Median household income is right around 50K being that you almost make double that, no offense, but yes, it makes sense. 