We went to a financial planner and he projected how much it would cost to send our kids to college. He plotted out these graphs and then told us "we'll assume that college costs continue to outpace inflation by 2%, since they have for the past 20 years..." I appreciated what he was doing but I know there is no way that can continue. At some point in the very near future, you can live off the interest of the cost of 4 years of college.