Dude, at least one recent hold back I know is doing it out of financial desperation with all eggs in one basket to get the kid to college with as much money as possible. No pride in hi motivation and probably embarrassment...after a year or two of that feeling if the ship comes in I'm sure that will make up for his embarrassment, but yes, sucks for us (kids and parents)on age '20's.
Are there really kids out there (going to private schools) that can say they are "financially desperate"? That doesn't make sense to me
