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 I ask is how many folks in attendance have either high school juniors and/or seniors. Invariably, the majority raise their hand and I (somewhat) 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 either smile or chuckle, for the majority this is a fact: families have not adequately planned and saved for college costs.