Married just three years, James and Laura Kremko have already seen seismic shifts in their income. After completing her nursing degree this spring, Laura secured a position at a Vacaville, Calif., hospital, boosting the couple's...

The college admissions process is already a crapshoot without throwing in the financial aid game. Subsidized Stafford loans, unsubsidized Stafford loans, Pell Grants, DirectPLUS loans -- it all adds up to a bewildering tangle for...