I can't imagine graduating college owing $900 a month

[exboyfil]

5. My younger daughter is thinking medical school

She will be on her own for that. I plan to cover her undergraduate degree though (she will live at home). My older daughter got chased away from vet school because of the payback. She is now planning on Electrical Engineering. She starts her first college class this summer (Chemistry to be taken between her H.S. sophomore and junior year). I think she is capable of getting her first 2 semesters (and outside shot at 3 semesters) of engineering done while in High School. Many of the classes should be paid for under PSEO. I will be aggressively pushing every step.

I would recommend that High School sophomores do some serious planning. It is like a lever - small actions today can result in big impacts tomorrow (for example investing $2-3K to save $20K later). I admit I have this option because I have been saving for my kids education for the last four years at a pretty healthy clip (yearly bonus goes immediately into the 529). Many families don't have that option.