You're not a bad parent if you don't save for your kid's college because instead you had to choose to feed them and clothe them. Those things come first. They can go to school and do this thing called 'work' while they're in school.
While I encourage people to save 100% down for a home, a mortgage is the one debt that I don't frown upon.
We offered to save them about $413,000 a year. They rejected us out of hand.