My bank account is not any larger, nor does my debt load seem any smaller. However, for the first time in five long years, we have only one child headed back to college. I would like to see Andy finish his next two years as fast as possible (the academic equivalent of prepaying your mortgage) and save the cost of another term, but there are rumblings of his taking a semester off to work in the film industry. (Ah, a semester off. Had I taken a semester off in 1970, I would have lost my student deferment from the military and been given an express ticket to an oceanfront in Southeast Asia.) Andy, like many college students today, has no obligation to live on campus. In fact, college dormitories are so jammed at many schools that individuals are encouraged to seek off-campus housing. If ...
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