Happy,

You really hit one of the points from DR and DB. You can NEVR get rid of the XS if you've had kids together. I looked at when you began to post, and it was 5 years ago, and yet, this shi& still goes on. It would be one thing if your H had NO money, but it's so wrong not to invest in your own kid's education. Even if you only give what you can. Also, the residual effects on the kids NEVER stop either!