College will likely cost between $60K and 100K a year in the next 20 years. This is based on a 3% yearly increase from the current cost of $25K for public universities and $40K for private universities. The cost would increase to $240k and $400K respectively for a public and private college education. The thought of putting up to $400K in a 529 account when the future is unknown is just too risky for me. This is a huge sacrifice to make.