You’ve been putting money in his college fund since the day he was born, starting with the savings bonds his grandparents began it with. But something happened along the way – the worst recession since your own grandparents  lived through the 30’s. Maybe you and/or your spouse  lost your job...

April isn’t the cruelest month – it’s January, deadline time for college applications. While transition fever first strikes  between junior SAT’s  and senior September, it peaks once the bids for admission are  in the mail.   Suddenly the realization that a big change is coming  hits both...