The number one issue I encounter when talking with both students and parents is the sense of urgency to find a huge sum of money in less than a year's time. Ideally you or a generous benefactor has been squirreling away money for your college education for years. But we aren't all gifted with trust funds and some parents are paying mortgages, working low-wage jobs, or simply believe that it is up to the student to pay for college himself. College is definitely not free [...]