However, before you talk to your kids, you and your spouse need to be on the same page. I know couples who hadn’t thought about how to pay for college until their kids started applying to schools. Not having prior discussions with your spouse can certainly add some challenges. Sometimes Dad expects the kid to pay (because he did back in the day) or Mom wants to pay for everything (because she didn’t want her kids to have student loans like she did). So, having these discussions beforehand is important.