• Home
  • About Us
  • Toolkit
  • Archives
  • Advertise
  • Privacy Policy

Kids Ain't Cheap

But They Sure Are Worth It

  • Parenting
    • Baby Stuff
    • Books and Reading
      • Aesops Fables
      • Comic Books
    • Education
    • Family Time
    • Green Living
    • Growing Up
    • Healthy Living & Eating
    • Holidays
    • Parenting
    • Random Musings
    • Shopping
    • Stuff to Do
  • Money
  • Product Reviews
    • Books and Magazines
    • Discount Sites
    • Furniture
    • House Keeping
    • Reviews News
    • Toys and Games
  • Contact Us
  • Our Editorial Commitment
  • Search

Should Parents Pay for College If Their Child Isn’t Taking It Seriously?

August 30, 2026 | Leave a Comment

College Students Partying
With families spending an average of $34,019 on college in 2025–26, parents have good reason to expect students to take their education seriously. Clear expectations can help families balance financial support with student responsibility. (Pexels).

Paying for college can be one of the biggest financial commitments parents make for an adult child, so watching that child skip classes or ignore assignments can be especially frustrating. The stakes are higher than ever: families reported spending an average of $34,019 on college during the 2025–26 academic year, according to Sallie’s latest national study. That kind of money can represent years of savings, current income, or debt that follows a family long after graduation. Still, immediately cutting off support may create more problems than it solves. Parents may get better results by figuring out why their student is struggling and attaching reasonable expectations to continued financial help.

Paying For College Should Come With Expectations

Parents who are paying for college have every right to expect their child to make a genuine effort, even if straight A’s are not realistic. Expectations might include attending classes, completing assignments, maintaining an agreed-upon GPA, and meeting regularly with an academic adviser when problems arise. The goal should not be to control every grade but to establish that financial support comes with responsibility. For example, a parent covering $15,000 annually might reasonably require a student to remain in good academic standing and communicate honestly about setbacks. Putting those expectations in writing before the semester begins can prevent emotional arguments later.

Define What “Not Taking It Seriously” Actually Means

A disappointing grade is not automatically evidence that a student is wasting a parent’s money. College students can struggle academically because they chose the wrong major, underestimated the workload, work too many hours, or are having difficulty adjusting to independent living. Parents should look for patterns such as repeatedly skipping classes, refusing academic help, dropping courses without discussion, or prioritizing social activities over basic responsibilities. A student earning a C in a difficult chemistry course despite attending tutoring is in a very different situation from someone regularly missing the course altogether. Before changing plans for paying for college, parents need to distinguish between genuine struggle and persistent lack of effort.

Understand How Poor Progress Can Affect Financial Aid

Academic problems can eventually create consequences beyond a tense conversation at home. Students generally must meet their college’s satisfactory academic progress standards to remain eligible for federal financial aid, with schools typically considering GPA, completed credits, and progress toward a degree. NerdWallet notes that students commonly need at least a C average and must remain on pace to finish within 150% of their program’s expected length, although individual school policies vary. Losing aid could suddenly leave parents and students responsible for thousands of additional dollars. Families concerned about grades should therefore contact the college financial aid office early rather than waiting until financial assistance is suspended.

Consider The Cost Before Writing Another Check

The numbers make a casual approach to college difficult to justify. College Board reports that average published tuition and fees for 2025–26 are $11,950 for in-state students at public four-year colleges and $45,000 at private nonprofit four-year institutions, before grants and scholarships are considered. Sallie’s 2026 research also found that 47% of college families borrowed money to cover education costs. Parents who are borrowing, postponing retirement contributions, or draining emergency savings should be particularly cautious about financing semesters with little academic progress. Paying for college should fit into the family’s broader financial health rather than become an unlimited commitment regardless of results.

A Financial Reset Can Be Better Than Cutting Off Support

Parents do not have to choose between paying every bill and providing nothing. One compromise is requiring the student to contribute through summer earnings, part-time work, scholarships, or responsibility for books and personal expenses. Another option could involve paying for a less expensive community college while the student rebuilds academic habits before returning to a four-year school. National Student Clearinghouse data shows that 29.8% of students who began college in fall 2019 were no longer enrolled six years later, illustrating that completing college is far from automatic. A temporary change in the arrangement for paying for college can create accountability without permanently closing the door on education.

The Goal Is Progress, Not A Blank Check

Parents can support their children without agreeing to finance college indefinitely under any circumstances. With families spending tens of thousands of dollars and many relying on borrowing, paying for college deserves the same thoughtful planning as any other major financial decision. A student who is struggling but actively seeking help deserves a different response from one repeatedly refusing to participate in their education. Clear expectations, regular conversations, and reasonable financial boundaries can protect both the family’s money and the student’s opportunity to mature.

If your child stopped taking college seriously, would you keep paying, change the financial arrangement, or stop paying altogether—and why? Share your perspective in the comments.

What to Read Next

Your Kid Wants to Drop Out of College — What Happens to the Money You Already Paid?

Free College-Prep Services Eligible Teenagers Can Get Through TRIO

College Child Care Resources Student Parents May Not Know Exist

Evan Morgan

Evan Morgan has been a full-time freelance writer and editor for 10+ years. When not working, he enjoys catching the latest true crime documentary or getting lost in a good book.

Filed Under: Parenting Tagged With: college costs, college students, college tuition, family finances, financial aid, parents and college, paying for college, student responsibility

Parents Can’t Borrow Unlimited Amounts for College Anymore — What Families Need to Know

August 29, 2026 | Leave a Comment

Borrowing Money
New Parent PLUS loan limits cap borrowing at $20,000 annually and $65,000 per dependent student for many families. Parents may need to rethink how they cover college funding gaps. (Pexels).

For years, the federal Parent PLUS program gave families a powerful but risky option: parents could borrow up to a college’s full cost of attendance minus other financial aid. That changed on July 1, 2026, when new Parent PLUS loan limits took effect for many families. New borrowing is generally capped at $20,000 per year and $65,000 total per dependent student. The shift could reshape college choices, especially at expensive private schools and out-of-state universities. Families now need to calculate funding gaps earlier instead of assuming another federal parent loan will cover the bill.

The New Parent PLUS Loan Limits Change The Math

The new Parent PLUS loan limits apply to all parents combined for each dependent student, rather than giving each parent a separate allowance. Two eligible parents cannot each borrow $20,000 for the same child in the same year; together, they are generally limited to $20,000. The lifetime cap is $65,000 per student, and amounts repaid, forgiven, canceled, or discharged generally do not restore that capacity. Previously, borrowing was essentially limited by the school’s cost of attendance minus other aid, allowing some families to borrow far more. For parents who treated PLUS loans as a financial backstop, that safety valve is now much smaller.

Some Current College Families May Get An Exception

The transition rules matter because not every family immediately falls under the new Parent PLUS loan limits. A limited exception can apply when a student was enrolled in the same program at the same institution by June 30, 2026, and qualifying federal Direct Loan funds had been disbursed for that program before July 1. Eligible families may continue under previous rules for up to three academic years or the student’s remaining expected time to complete the credential, whichever is shorter. Changing programs, schools, or enrollment status can affect that protection, so families should not assume they are grandfathered in. Ask the financial aid office to confirm the student’s status before building a multiyear budget around the exception.

A $20,000 Annual Cap Can Leave A Big Gap

The new cap becomes clearer when compared with actual college prices. College Board reports that average 2025-26 student budgets were $30,990 for an in-state public four-year college, $50,920 for an out-of-state public university, and $65,470 at a private nonprofit four-year institution. Imagine a family with a $45,000 remaining bill after scholarships, grants, student loans, and savings; a $20,000 Parent PLUS loan could leave $25,000 uncovered. That does not automatically mean abandoning the school, but the family needs another realistic source of money. Parent PLUS loan limits make comparing each college’s net price—not merely advertised tuition—more important than ever.

Borrowing Is More Expensive Than Many Families Realize

For 2026-27, new Parent PLUS loans carry a fixed 9.07% interest rate and a 4.228% origination fee. On a $20,000 loan, the fee means less than $20,000 reaches the school, while interest starts accumulating after disbursement. New Parent PLUS loans under the post-July 1 rules also have fewer repayment choices than many older borrowers had, making affordability especially important. Parents approaching retirement should be cautious about committing future income to college debt that legally belongs to them, not their child. A student may promise to make payments later, but the parent borrower remains responsible.

Families Should Build A Funding Plan Before Signing

Start by asking each college for the student’s net cost after grants and scholarships, then subtract savings, current income, work-study earnings, and the student’s federal loans. If a gap remains above the Parent PLUS loan limits, ask about additional institutional grants, payment plans, or scholarships for continuing students. Families can also reconsider housing, meal plans, transportation, or whether a lower-cost school would protect everyone financially. Private student or parent loans may fill a gap, but rates, cosigner obligations, and borrower protections can differ substantially from federal loans. Compare the total repayment cost and monthly payment—not simply whether a lender approves the application.

The New Limits Make College Choice A Family Decision

The key lesson is that Parent PLUS loan limits force families to confront affordability before a tuition bill becomes a crisis. A school requiring parents to borrow $30,000 or $40,000 every year may no longer work simply because federal PLUS loans once covered the difference. Changing the plan early may be less damaging than draining retirement savings or taking expensive private debt without a repayment strategy. Before committing, families should map all four years, allow for price increases, and decide how much debt the parent can comfortably repay without depending on the student’s future salary.

Would you choose a less expensive college to protect your family’s long-term finances, or find another way to cover the gap? Share your thoughts in the comments.

What to Read Next

Why Borrowing Grandparents’ Rules Could Backfire on Raising Teens

Can You Refinance Student Loans? Yes. Here’s How

Your Kid Wants to Drop Out of College — What Happens to the Money You Already Paid?

Evan Morgan

Evan Morgan has been a full-time freelance writer and editor for 10+ years. When not working, he enjoys catching the latest true crime documentary or getting lost in a good book.

Filed Under: Personal Finance Tagged With: college costs, college financial aid, college planning, Education Debt, Parent PLUS loans, Parents, paying for college, student loans

Should Grandparents Have to Pay for Their Grandchildren’s College?

April 24, 2025 | Leave a Comment

Image Source: Unsplash

College costs have climbed to the point where a single year can feel as expensive as a small mortgage. It’s no surprise that parents often look beyond their own savings for help—and grandparents are usually first in line to lend a hand. For many retirees, writing that tuition check feels like a joyful “living legacy.” For others, it comes with a quiet question: Can I afford this and still protect my retirement?

Before any promises are made, families need an honest, numbers-based conversation—one that honors both the desire to give and the very real need to stay financially secure.

Understand the Motivation and the Money

Generosity is emotional; gifting is financial. Start with a family meeting—parents, grandparents, and, if appropriate, the student—to outline:

  • Goals. Is the gift meant to cover one semester, four full years, or only unexpected costs?
  • Capacity. Review fixed income, market-dependent assets, and potential health-care expenses.
  • Boundaries. Agree on a spending cap or time limit so no one feels blindsided if markets dip or life happens.

Clarity at the start prevents two common pitfalls: grandparents over-promising and parents over-relying.

Direct Tuition Payments: A Tax-Smart Route

Current tax rules let anyone pay tuition directly to an accredited college without triggering federal gift tax.

Pros

  • An unlimited amount and an immediate way to shrink a taxable estate.
  • Not reported on the FAFSA, so it usually won’t reduce federal need-based aid.

Cons

  • Covers tuition only—families still need a plan for room, board, books, and fees.
  • Some private colleges count outside resources when adjusting their own grants, so always ask first.

Tip: Pay semester-by-semester rather than in one lump sum, giving flexibility if circumstances change.

529 Plans Offer Flexibility—Timing Matters

Grandparents can open or fund a 529 plan, allowing tax-deferred growth and tax-free withdrawals for qualified expenses. Withdrawals from a grandparent-owned 529 count as untaxed student income on the following year’s FAFSA. Many families wait until junior or senior year to tap those funds, when aid calculations are largely complete.

Close-up of U.S. dollar bills and coins on a table
Image Source: Unsplash

Know the Financial-Aid Ripple Effect

Direct tuition payments aren’t reported on the FAFSA, but 529 distributions (and some other gifts) can shrink need-based aid. Schools that use the CSS Profile follow additional rules. The safest move: call the college’s financial-aid office before any money changes hands.

Protect Retirement First

Rising health-care costs and market swings make large gifts risky for retirees. Once savings leave an IRA or brokerage account, they’re hard to replace.

A good rule: if the gift could compromise long-term stability—or force adult children to support aging parents later—it’s too much.

Creative Ways to Help Without Paying Tuition

  • Fund smaller needs: Laptops, books, or semester transportation.
  • Teach money skills: Budgeting sessions or scholarship hunting.
  • Co-sign responsibly: Back a modest education loan only if income allows.
  • Provide non-financial support: Career mentoring, a quiet study space, or simply cheering from the sidelines.

The Bottom Line Isn’t Just Dollars

College help is generous, but it’s not the sole measure of love. Transparent conversations—and a plan that fits both generations—matter more than any specific dollar amount. The most valuable inheritance might be guidance, encouragement, and shared wisdom along the journey.

When Love Meets Limits: Finding Balance

There’s no one-size-fits-all answer to grandparents paying for college. Tax-smart tuition payments, well-timed 529 withdrawals, or smaller “extras” can all ease the burden without sacrificing financial health. Start with an honest family discussion, loop in a trusted financial advisor, and remember: contribution is optional; connection is priceless.

What role—if any—do grandparents play in your family’s college-funding plan? Share your experience in the comments below.

Read More

  • 5 Ways to Prepare Kids for College
  • 7 Key Ways to Save for Your Kids’ College Education

Samantha Warren
Samantha

Samantha Warren is a holistic marketing strategist with 8+ years of experience partnering with startups, Fortune 500 companies, and everything in between. With an entrepreneurial mindset, she excels at shaping brand narratives through data-driven, creative content. When she’s not working, Samantha loves to travel and draws inspiration from her trips to Thailand, Spain, Costa Rica, and beyond.

Filed Under: Parenting Tagged With: 529 plans, college tuition help, estate planning | Money & Family, family finances, grandparents financial planning, paying for college, student financial aid

College Doesn’t Have to Cost a Fortune

March 23, 2023 | Leave a Comment

Person Holding Their Graduation Cap in the Air

I have three children—one is attending a community college, and the other two are finishing up 7th and 8th grade. I have immersed myself in learning about the college application process and how to pay for college and get merit scholarships. What I am finding makes me a bit sad. So many students are taking out loans for tens of thousands of dollars, but college doesn’t have to cost a fortune.

We Won’t Take Out Parent Loans

My husband and I agree that we won’t take out parent loans for our children’s college. Every parent has to decide if they’re willing to go into debt for their children’s educations, and we’re not. My husband and I both attended graduate school and started our careers in our late twenties and early thirties, so we must make up for lost time regarding retirement. We are choosing to prioritize our retirement over our children’s education.

We’ll Encourage Our Children Not to Take Out Loans

Likewise, we encourage our children not to take out loans. But, if they must, we don’t want them to take out loans for more than $15,000 to pay for their four years of school.

Based on our own experiences, students tend to think they’ll pay off their student loans quickly, but then life interferes. The jobs they get after college may not pay as well as they thought they would, or they may want to start a family and find one person needs to pause their career to take care of the child. If they both continue to work, daycare can be expensive.

It’s better not to get loans at all, if possible. If not, keeping the loans to a minimum is important for our family. Federal student loans are often less expensive than private loans, so if your kids have to borrow, going with Uncle Sam is marginally better.

We Encourage Our Kids to Pursue Merit

We’re also encouraging our kids to pursue merit scholarships. Our son got a scholarship to a community college; the remainder of the balance for his tuition is low enough that my husband and I can pay it. Our son will not have any student loans during his first two years of college.

They’ll Stay Local If Necessary

Girl studying with a book on her lap

Our two younger children plan to apply to several colleges and see if they get merit aid. If they don’t, we’re lucky to have several colleges and universities within 30 minutes of our house. They will choose one of those schools rather than go into debt to pay for college.

Final Thoughts

Every family must decide what is best for their children when it comes to choosing a college and paying for it. However, college doesn’t have to cost a fortune. My husband and I have told our children how much money we have to help them through school. To make up for the difference, they’ll have to get merit aid or choose a local school. Using this plan, they should graduate with no or minimal debt, and my husband and I won’t have to take out any parent loans.

Read More

3 Mistakes We Made in the College Process

4 (More) Great Part-Time Job Options for College Students

Non-Traditional and Easy Jobs for College Students

Melissa Batai
Melissa Batai

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty of the area.

Filed Under: Money and Finances Tagged With: college education, paying for college, student loans

  • Facebook
  • Pinterest
  • RSS
  • Twitter

Basic Principles Of Good Parenting

Here some basic principles for good parenting:

  1. What You Do Matters: Your kids are watching you. So, be purposeful about what you want to accomplish.
  2. You Can’t be Too Loving: Don’t replace love with material possessions, lowered expectations or leniency.
  3. Be Involved Your Kids Life: Arrange your priorities to focus on what your kid’s needs. Be there mentally and physically.
  4. Adapt Your Parenting: Children grow quickly, so keep pace with your child’s development.
  5. Establish and Set Rules: The rules you set for children will establish the rules they set for themselves later.  Avoid harsh discipline and be consistent.
  6. Explain Your Decisions: What is obvious to you may not be evident to your child. They don’t have the experience you do.
  7. Be Respectful To Your Child: How you treat your child is how they will treat others.  Be polite, respectful and make an effort to pay attention.
Best Parenting Blogs

Most Popular

Baby

9 Unusual Baby Names That Sound Like They Belong to Future CEOs

Evan Morgan
Baby

10 Baby Names That Were Once Considered “Grandparent Names” but Feel Cool Again

Evan Morgan
Baby

9 Baby Names Inspired by Fall Without Naming Your Child Autumn

Evan Morgan
Target Store

Choking Incident Prompts Recall of 49,000 Target Gigglescape “Under the Sea” Popping Toys

Evan Morgan
Frustrated Girl

Why Some Students on the Spectrum Are Labeled With ODD

Evan Morgan

All content on Kids Ain’t Cheap is for entertainment purposes only. By reading this blog, you agree that Kids Ain’t Cheap is not responsible for any actions taken after reading this blog. For the full disclaimer, see our privacy policy.

Please note that Kids Ain’t Cheap has financial relationships with some of the merchants mentioned here. Kids Ain’t Cheap is funded by banner advertising, commission sales and search optimization consulting.

Copyright © 2006–2026 | District Media | All Rights Reserved | Privacy Policy

Copyright © 2026 Runway Pro Theme by Viva la Violette