DESC: Whether it's college and graduate school or nursery and private school, the costs of education are a major challenge to families. This practical and reassuring guide presents the facts, tools, and strategies for saving, investing, and managing taxes to address this challenge, regardless of your financial circumstances. Starting with a dose of reality on what education really might cost, Kristof leads you through the options:• 529 plans • Coverdale Education Savings Accounts (Educational IRAs) • UGMAs (Uniform Gifts to Minors Act accounts) • IDAs (Individual Development Accounts) for low-income families • Financial Aid • Student Loans • Private and Public ScholarshipsThe book includes work sheets and a handy section to help you calculate your needs and plan for the future.