r children to attend a post-secondary experience at a local junior college, a public or private university. In 2003-04 academic year, the average tuition investment for one year in a four-year public college or university was $4,694. This represented a 14% inDuring a recent conversation with a client, he shared with me his frustration when registering his son for his first year at college. This university, incidentally one of the big 10, would only allow his son to register for 12 hours. The university’s position was the "expectation" that 12 hours was very, very difficult and for him to expect more as a parent was not realistic.

I suggested for my client to have a new conversation with the university and simply ask the following question: Since my son is earning a 4-year degree, how can he do that only taking 12 hours per semester? With most 4-year degrees averaging 120 hours, taking 12 hours per semester requires 5 years (12x2x5). Given that some required courses are only offered once a year and may have additional criteria, 5 years can easily stretch into 5.5 or 6 years. This expectation game of taking only 12 hours per semester may be one of the answers as to why the U.S. national average is 5.3 years to earn a four-year degree.

Many parents are planning for their children to attend a post-secondary experience at a local junior college, a public or private university. In 2003-04 academic year, the average tuition investment for one year in a four-year public college or university was $4,694. This represented a 14% in

was the "expectation" that 12 hours was very, very difficult and for him to expect more as a parent was not realistic.

I suggested for my client to have a new conversation with the university and simply ask the following question: Since my son is earning a 4-year degree, how can he do that only taking 12 hours per semester? With most 4-year degrees averaging 120 hours, taking 12 hours per semester requires 5 years (12x2x5). Given that some required courses are only offered once a year and may have additional criteria, 5 years can easily stretch into 5.5 or 6 years. This expectation game of taking only 12 hours per semester may be one of the answers as to why the U.S. national average is 5.3 years to earn a four-year degree.

Many parents are planning for their children to attend a post-secondary experience at a local junior college, a public or private university. In 2003-04 academic year, the average tuition investment for one year in a four-year public college or university was $4,694. This represented a 14% in

a 4-year degree, how can he do that only taking 12 hours per semester? With most 4-year degrees averaging 120 hours, taking 12 hours per semester requires 5 years (12x2x5). Given that some required courses are only offered once a year and may have additional criteria, 5 years can easily stretch into 5.5 or 6 years. This expectation game of taking only 12 hours per semester may be one of the answers as to why the U.S. national average is 5.3 years to earn a four-year degree.

Many parents are planning for their children to attend a post-secondary experience at a local junior college, a public or private university. In 2003-04 academic year, the average tuition investment for one year in a four-year public college or university was $4,694. This represented a 14% in

criteria, 5 years can easily stretch into 5.5 or 6 years. This expectation game of taking only 12 hours per semester may be one of the answers as to why the U.S. national average is 5.3 years to earn a four-year degree.

Many parents are planning for their children to attend a post-secondary experience at a local junior college, a public or private university. In 2003-04 academic year, the average tuition investment for one year in a four-year public college or university was $4,694. This represented a 14% in

r children to attend a post-secondary experience at a local junior college, a public or private university. In 2003-04 academic year, the average tuition investment for one year in a four-year public college or university was $4,694. This represented a 14% increased over the previous year. Room and board costs could increase that investment by $10,636 to a total of $15,330. With books, supplies and additional fees, this total could increase by another $1,000 to $3,000. Given that college costs continue to rise much greater than the cost of inflation, each additional year becomes more expensive that the previous one.

Not only are colleges costing student and parents directly with the additional one to two years, they are also affecting the future of these young people. If the students agree with the university’s expectation game and stay in college another year or two, they are losing earning dollars and two potential years of gainful experience. This loss affects their ability to move up the corporate ladder.

Parents suffer because college is expensive even when planned and parents have other needs to direct those college dollars. By not being proactive and insisting on at least 15 hours per semester, the parent’s financial future is jeopardized.

Taxpayers are a