When Christopher Wartmann set his heart on going to the University of Dayton, a private Catholic college in Ohio, he was less worried about getting in than about how his family would come up with the more than $20,000 a year it was going to cost. Thomas Wartmann, Christopher's dad and a route salesman in the Frito-Lay division of PepsiCo, earned just $38,000 last year, and Christopher's mother Eva earned $17,000 as a tennis coordinator at a country club. They faced a challenge common to the families of more than a million aspiring college students each year: how to pay the...
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