Guidance on how to make college affordable, especially for middle-income families, is provided. Although college tuition and fees have more than doubled over the past 10 years and will continue to increase, traditional student aid programs have not kept pace with inflation and are earmarked chiefly for students from low-income families. The student debt burden has reached crisis levels. These debts have serious consequences on the decision to enroll, educational performance, and career choice. The use of a planned approach for putting money or assets into a college fund is emphasized, and various savings strategies are explained in detail. This edition was prepared in response to the Tax Reform Act of 1986, and strategies described in the first edition, published in 1984, are updated. Income-shifting strategies (custodianship, age 21 trust, Crummey Trust, and current income trust) are discussed in terms of how they work, constraints, advantages, and disadvantages. Tax-advantaged investments (government bonds, annuities, Individual Retirement Accounts, life insurance, appreciating assets, and home equity loans) are explained in the same manner. (SM)