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money matters, The 16 yr old, The Water Cooler · August 18, 2010

Talking Finances With Your Children When It Comes to College


I have blogged HERE and HERE about my thoughts on student loans. I am still having issues with the repayment of these loans and it seems like I will never be out from under them. My sixteen year old son and I have been discussing college at length lately; we are planning a few visits to some schools he is interested in and we have also been talking about how we are going to pay for it. I do not want him to get into debt the way I did in terms of student loans, but even at a state school, college is quite a bit to pay for out of pocket. I am sure my son will be eligible for a grant and a few scholarships, but I do not think they will be full ride or will totally fund his education.

When I began college at 18 and then again at 25, I had no choice but to take out student loans. My parents didn’t save money for college for me. I had no idea about finances, or the fact that when I got these student loans, they would be such a burden to bear.

When my son turned 11, I began hearing about the Missouri MOST program, which is a 529 savings plan for college. Basically, I have a set amount that is deposited into this account in which the state holds and invests on my behalf. Over time, the money grows and can be used for college when it is time. There is a little bit of a nest egg in this fund, but not enough to pay for a full four years of college.

I have decided, if anything, I will take out loans for his education so he will not be stuck with them when he graduates. There is something about stepping out on your own after graduating from school only to have to pay back $50,000 or more. I want his fresh start to be truly fresh.

If I knew then what I know now, I would’ve started saving for his college education way before he was 11 years old. If I would’ve begun saving at age 2, he would have enough upon graduation to pay for 4 years of college.

What are your thoughts on student loans and talking about paying for college with your children? Did your parents speak with you at length about finances? What’s your story?


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In: money matters, The 16 yr old, The Water Cooler · Tagged: 529 college savings programs, college, education, Finances, Missouri MOST, money, student loans

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Comments

  1. mrswills says

    August 22, 2010 at 9:58 am

    I am new to blogging & I love this post & I love the concept for your blospot. I’ve been checking out Miss Jias favorite sites and this is one I’m glad I came across. I will keep reading!

    Reply
  2. The Cubicle Chick says

    August 25, 2010 at 11:48 pm

    Thanks for commenting! Make sure to subscribe so you won’t miss any posts 🙂

    Reply

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She only doing what she know… 🏁 #grandnationa She only doing what she know… 🏁 #grandnationaltour #stl
MAY tings… MAY tings…
A rooftop situation is always a good idea! Recentl A rooftop situation is always a good idea! Recently, I was invited to a Happy Hour of bites and beats at @angadartshotel’s @artbar.stl and when I say the food, drinks, and the vibe were necessary during these stressful times. I see another visit soon in my future. Cheers! 🥂
April photo dump. And things of that nature. ✨✨
Are we twinning or nah? 😂😂😂 Are we twinning or nah? 😂😂😂
4/10 should be declared a national holiday because 4/10 should be declared a national holiday because on this day a king was born! Happy birthday, son. Love you more than words can say! 🎉🎉🎉
May we continue to have crazy/fun adventures toget May we continue to have crazy/fun adventures together. You deserve an overflow of serendipity, and all the joy I can provide. Still celebrating—Happy Birthday, Mommy! 🎉🎉🎉
Worked hard all week so we deserved a little treat Worked hard all week so we deserved a little treat. ✌🏾
My novel ‘A Clermont Lane Wedding’ is certainl My novel ‘A Clermont Lane Wedding’ is certainly not biographical, but there are traces of my life all up and down this book (hint hint). It’s a perfect Spring Break read!

It’s got romance, intrigue, a little mystery, and a family legacy on the line. On sale on Amazon, eBooks and paperback, link in bio.
The miracle of being a WOMAN. A life giver. A soul The miracle of being a WOMAN. A life giver. A soul nurturer. A blessing. ✨
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