Last weekend, I navigated around the cabin at my nephew’s high school graduation party to celebrate with everyone and catch up with people I haven't seen in a while, and meet some new faces I didn't already know. Between the barbecue, jokes, and the usual smiles, I found myself in a series of conversations with his friends—the newly minted senior class moving out into the real world.

More than a dream For many families, the dream of a higher education for their loved ones is a powerful motivator. I can remember those...