Just remember there IS a possible down side to waiting. A coach at a school my kid really wanted to go to said he lost track of her and by the time he happened to see her again he had no money left for her freshman year. That wasn't because of us waiting but it shows that there isn't an infinite amount of money. Waiting runs the risk that when you decide to choose a school there may not be any money left there and the kid is forced to go elsewhere. Or Mommy/Daddy have to pay tens of thousands of $$.
Just describing the other side of the coin.
Squirrel's Advocate