Or maybe, don't think of college as the be-all and end-all of your own or your kids' education. Don't think of it as a guarantee.
You may very well need the formal college diploma to be able to wedge a foot in the door of most organizations when you are looking for a job. Or, if you have an entrepreneurial spirit, you may well find that you can take the same money you would have sunk into college and started your own business.
If you've got kids, there may be more important experiences you can give them with a little bit of money; and if your priority is stashing that money into a college fund, perhaps it could be better spent.
Finally, don't assume that simply "showing up" at any college (Podunk Community College, Niagara University, Harvard--any college) is going to make you into something you weren't when you first enrolled. You have to invest energy, thought, a sense of direction in your own education. You may not always know what direction is going to pay off in a rich, deep learning experience; but you should find ways beyond sitting in class, taking notes, earning Bs (or even A-plusses), and waiting for a magic transformation.
Bonus: a free, downloadable pdf on how to start up a business doing stuff you like, while making a reasonably decent living at it, The Incredible Secret Money Machine 2nd edition, at http://www.tinaja.com/ebooks/ismm.pdf. (Does it work? I don't know! But I do trust the referral source, Kevin Kelly's Cool Tools blog; here's the review: http://kk.org/cooltools/9659.html)
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