[Tink]

Janet, you are NOT losers!
If not having the cash to hand your kids for college makes you losers, then there are a LOT of us in that same boat.
If all people had the money there'd be no need for student aide; most students have to take out loans, apply for grants, and work to get through. I'm not sure that's really a bad thing! Nothing has more value than something we ourselves had to earn... when everything is given to us, it isn't nearly as cherished.

All 3 of my kids are taking out loans for school. Berry to get her RN (from LPN) Katie for criminal Justice and now Joel is working on his enrollment to be an engineer in medical electronics such as Cat scans and MRI machines. Shannon too has enrolled in the LPN program, so we're going to have a lot of our family in school all at once, and every one of them is having to find financing.

I don't think that makes ANY of us losers. We're winners 'cause our kids will have an education and be able to support themselves in a much better way once they've completed their studies.