Imagine if retirement were financed by scholarships, grants and
loans.  You could qualify for a substantial aid package to pay
for your senior years. Your stellar job "grades" and career
achievements would be rewarded with significant merit aid.
And if you need to save for your children's college as well as
your own retirement, you've got a daunting challenge on your
hands.  The cost of a college education continues to rise faster
than inflation, at roughly 5 percent per year. The average
sticker-price for four years at a private college is now more
than $150,000 _ including $38,589 for the 2011-12 school year.
Even going to your state's university runs close to half that
total at an average $17,131 a year, according to the College
Board.  Retirement is far more expensive than that.  How do you
balance those important objectives? Here are five considerations
to keep top-of-mind as you juggle both:   Student loan debt has
risen above $1 trillion and the average student's debt at
graduation now exceeds $25,0