I often hear from folks who say that can’t afford to pay for private school for their young children because they are saving for college.
That is like saying you are going to wait to train for a marathon until the day before because you don’t want to wear yourself out.
The time to educate your children is now, not after they have grown up and are using education primarily for job skills acquisition.
And a benefit of this approach is you are running a college simulation program! You are practicing paying for a portion (or all) of college, right now. Good for you! Keep it up!
Yes, there is a risk that things won’t work out as expected but life is full or risks. Don’t wait until the end of it to do what you feel is right.
You can do this.