Among all the uncertainty colleges face in this recession, they are sure of one thing: Families are feeling less than confident about their ability to pay for higher education. In response, colleges are creating more student-aid programs or expanding existing ones. Others are offering students additional counseling or a grace period for paying tuition bills. Some that have not yet seen an increase in student need are preparing for one next year. As colleges plan for the months ahead, consultant Robert A. Sevier advocates that the best thing they can do is help students graduate on time and get into the work force.