College costs can be more than a little painful, but with the proper financial planning, you could be whistling your child’s college fight song all the way to the bank.

college student graduating

Although federal and state financial aid for college students have decreased, published in-state tuition costs and fees at public four-year institutions increased 2.2 percent per year beyond inflation over the last 10 years, according to the College Board, a nonprofit representing colleges and universities.

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