It's that time of year when the CSS/Financial Aid Profile form needs to be submitted to universities to begin the financial aid process. Read this important article on what parents, who have not saved for college, can do to try and obtain financial aid for their student. http://mobile.nytimes.com/2014/10/18/your-money/a-financial-aid-map-for-families-who-have-saved-nothing.html?referrer&_r=0