Used in another sentence: "Colleges and universities no longer act in loco parentis, because the kids are all 18."

There are some tricky waters to navigate at 18 -- education matters, work options, personal finances, lifestyle choices, medical care, and preparation for leaving home. While eager to paddle their own canoes, until they are completely independent and self-supporting, young adults still need occasional help steering from mom and dad.

*Article originally posted on March 30, 2006

Columnist and speaker Lori Borgman is the author of several books including Pass the Faith, Please (Waterbrook Press) and All Stressed Up and No Place to Go     (Emmis Books). Comments may be sent to her at