No great financial advice here.. but just wanted to remind you that you are a strong resourceful intelligent woman. It's not something that will be solved today or this week, so no need to panic, but the fact that you are thinking about it (something I have to admit that I haven't done) means you are on the right track.
My H and his brother both ended up at prestigious schools-- H got a partial scholarship thru his step mother's company, ironically. And there were a total of 8 kids between his dad and mom and their 2nd spouses. And no one was a millionaire. It's doable.
