start immediately if you haven t done so already. if you can t save $100 a year, save $250 a year. get going on something because college is going to be on you before you know it. if you have more than one child, you are going to find yourself stressed or over the money. jamie: one thing is if the child will plan to take college loans, they can accumulate. with the jobs prospects dim for graduating seniors that are graduating with more debt than they ever had right, they are hurt doubly. what do you recommend? how much debt is too much for a college kid? i think the average college debt is $24,000. but for most kids, have you to back off from the graduation and make better decisionses before you graduate. for instance, have you to look at the job prospects.