I'm looking for opinions. My DD is only 4 mo. old but DH and I are already thinking about her schooling. We're very unhappy with the public schools in our area and there are a few very good and progressive- but expensive- private schools. If we budget, with a lot of effort and cutting back elsewhere we may be able to afford one- but it will nix our plan to save to send her to college without loans... do you think it is better to spend the money on her early schooling and let her take out loans for college?? or is it better to save the money and let her begin post-college life debt free?