jamie: i know you have two kids in college. so you know about facing tuition. but you are also a certified financial planner. you have tons of experience in this area. first of all, is there any free money out there? any scholarships now? where does that stand for parents and kids? you know, there is free money out there. you have to look for it in the right direction. first of all, if your children are going to, or if your kids will go to a junior college, a lot of junior colleges offer foundation. my daughter got a $3,000 annual renewable scholarship for the next four years that goes to her school as well. it s $3,000 for free. so it s a credit foundation. at the college. a lot of people who maybe pass on want their loved one s name in a foundation offer free money. jamie: so look at colleges. ask about it. i m sure online as well. but once you you go online, you could be susceptible to deals that sound too good to