I have 2 adult kids, DS 27 is special needs and on disability, DS 24 is still working on college degrees (has AA), both still living at home. I'm a stay at home mom, DH is the breadwinner. We opened 529 plans (college savings) when they were little so that has been what we use to pay for it. DS 24 keeps changing his mind (we let him, esp. when he describes IT as "soul crushing") from zoology, to IT, to leatherwork, to blacksmith, back to zoology. Took most of the IT courses already, so that comes in handy for us (he built our computers and fixes all our devices when they go wonky, $$ saved), became a leather artisan, knows how to make a sword, and now back to zoology. Whew! And we still have almost enough in his 529 to pay for 2 1/2 more years. We also have a University extension here, so he can get his Uni degree without having to go away for college (so much cheaper!). Our goal is to be debt free (except house) before he runs out of 529 money so if he needs more time, we can pay OOP. DS 27 still has a huge amount in his 529, we could take our original investment out penalty free since he was disabled before 22 (his whole life, but legally) but we keep it there in case he ever wants to go back. He did go when he was 19 for 2 years, learned Japanese, got a few pre-req's done, but it became too much so he stopped. Since this has been going on so long, I have consistently been shocked with how much college costs have gone up year by year! I feel for you. So glad we can pay for their education so they won't be mired in student debt loans. Yay debt dumpers!!!