For over 25 years, I have presented to audiences at high schools and college fairs. Before I present, I ask a number of questions to better understand my audience. One question is to ask how many folks in attendance are parents of high school juniors or seniors. Invariably, the majority raise their hand and I jokingly (?) respond that for these parents, it is not a financial aid presentation night, but a financial aid “panic” night. While the audience is kind and offer a half-hearted smile or chuckle, for the majority of parents, this is a fact: families have not adequately planned and saved for college costs.