This book is designed to help students and their families plan for and meet college costs. Organized into three main sections the first, "Paying for College," contains 10 chapters as follows: (1) "What Does College Cost?"; (2) "How Much Will Youth Be Expected To Pay?"; (3) "How To Make Time Work for You"; (4) "Making the Most of Your Own Resources"; (5) "How Financial Aid Can Help"; (6) "Applying for Financial Aid"; (7) "Borrowing for Education"; (8) "Pulling it All Together"; (9) "Long Range Planning: A Special Message to Parents"; (10) "Tables, Sample Cases, and Worksheets"; and "Glossary." The tenth chapter provides tables for three sample students from different family and financial backgrounds as they plan to meet college costs. Part II, "College Costs and Financial Aid," lists the average student expenses at 3,000 colleges and univesities for the 1992-93 academic year as well as sources of information about state grant programs and the Stafford Loan. Part III, "College Indexes," lists institutions by type of scholarships and other assistance programs offered, specifically, college scholarships (academic, music or drama, art), athletic scholarships (30 sport categories), and tuition or fee waivers and special payment plans. A final section provides an alphabetical list of colleges. (JB)