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[QUOTE="andyw715, post: 5393925, member: 4425"]
Interestingly all of the univ/colleges my college freshman got accepted to presented financial aid packages that at the end of the day would cost around 25k/year regardless of starting price.

This is a few UNC schools and 3 private schools in NC. Advertised cost of attendance ranged from 20k-95k/ year.

Most of the academic advisors also mentioned many grad school programs being fully funded. She is biology/stem so that might be unique to the field.

I'm not saying don't save. But socking away that much money for something that might happen is a big ask (unless its doable).

Can't borrow for retirement.

My strategy for both kids 529 was to keep 3 years of the average state college costs in the plan. I figure I can contribute more starting the freshman year to cover the 4th year. So around 70-75k each.
It's a good amount, and better than nothing.

What I didn't plan for was my oldest enrolling in a early college high school. So she graduated HS with an associates in science and HS diploma. Effectively chopping off the first 2 years (gen ed) of her bachelors.. 
The other one is in a honors school within her HS and will probably graduate with at least 1 year worth of AP and community college credit.
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