My kids are some brilliant kids. I have one in college. But I told her years back that she had better work on getting scholarships because I can't afford to send anyone to college.
She did just that. Worked hard and did what she needed to do to qualify for scholarships. She is in college now and has all the scholarships she needs to go to college all four years and she is only $400 per year short of paying for the whole thing (including 2 meal per day meal plan).
I'm happy to cover the $400 per year.

So when she graduates... no loans to pay.