I’m also a non-believer of those educational plans/pre-need. Many of my relative- way older than me experienced that and I learned from that – kawawa sila, para silang nagtapon ng pera, nagkasakit, tumanda sa problema which they think in those days as a complete peace of mind for their kids.

Back to the topic: for my kid’s future, we never consider educ. plans kasi still andun yung worries na baka ma-leche… bakit? even bangko bumibigay eh yan pa. (at least there’s PDIC) ang mahirap kasi dyan yung paiikutin ka na during times of trouble, syempre karamihan magwa-walang kibo na lamang so tagumpay “sila”

ganun din naman eh kung talagang gusto mong pag aralin ang anak mo eh natural lang na paghahandaan mo at ipa-prioritized mo ang savings para sa kanila.