Encourage your kids’ grandparents or other relatives to contribute to their college fund as birthday or Christmas gifts.  Or, ask for contributions as baby shower gifts.

Consider a Community College

If your kids are willing to go to a community college for the first two years, that can save a lot of money. After they transfer to a four-year school, that’s where their degree will be from.

One family got their kids to opt for this route by telling them they’d be better able to help them with a down payment on a house down the road.

Match Your Kids’ Investments

When your kids are very young, it’s probably unrealistic to get them to save for such a distant goal as college.  However, when they get to be about 12 or so, you may be able to motivate them by matching some of the money they invest.

How else have you tackled the college funding challenge?

Matt Bell is the author of three personal finance books published by NavPress, including the brand new "Money & Marriage: A Complete Guide for Engaged and Newly Married Couples."  He teaches a wide variety of workshops at churches, conferences, universities, and other venues throughout the country.  To learn more about his work and subscribe to his blog, go to: www.mattaboutmoney.com.