The eldest of Pamela Fettes’ three sons only recently celebrated his 15th birthday, but she is already worrying about the cost of their college education.
Ms Fettes, a 46-year-old single mother, lives in Belvidere, a blue-collar town 70 miles north-west of Chicago. She earns $50,000 a year as a regional healthcare co-ordinator, putting her right at the US’s median household income ”“ although she also works two nights a week as a hospital clerk and decorates cakes on the side. She took on the extra work after being diagnosed with breast cancer in 2008 and getting divorced last year, both of which involved considerable expense.