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How to Have a Proper Parental Fight Over College Costs

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As teens submit college applications and weigh different post-graduation paths, their parents face tough decisions, too. Do they:

Help pay tuition, even if it means dipping into retirement savings?

Take out parent loans, as a growing number of people do?

Encourage their children to attend a dream college, no matter the cost?

When couples clash over the answers, it’s often because their values about money and education are at odds, says Megan Ford, a financial therapist at the University of Georgia and president of the Financial Therapy Association. Financial therapy, a relatively new field, addresses financial, emotional and relational challenges.

Imagine a hypothetical student’s parents. One equates prestigious institutions with success...

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