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Students spend years of their lives focusing on getting into their dream college, but once they get in, families must face a brand new issue: How are they going to pay?

The National Association of Student Financial Aid Administrators analyzed research from the Lumina Foundation and found that even if low-income families saved 10 percent of their discretionary income for 10 years and students worked 10 hours a week while attending college full-time, they still couldn't afford 95 percent of colleges. Even wealthy families were unable to afford 48 percent of schools.