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As presidential candidates debate whether the federal government should pay for college costs, there are strong opinions on either side. States such as New York have already settled the question, and resident students of certain income levels can qualify for free tuition at community and...

Some people like to think the question is, “When is it too early to discuss money with your children?” But I often turn that around and ask, “When is it too late?” While it can never really be too early to talk about money, even...