Each Monday, Work & Save will feature a new tip for parents and students looking for ways to save for college from Brian Greenberg, a Marlton-based certified public accountant and college financial planner:

College funding is really a retirement issue. Do not make the mistake of tapping into your 401(k) to pay for college. One can borrow for college, but cannot borrow to retire.

Your 401(k) is intended for when you stop working and nothing else. Even borrowing against your 401(k) can have devastating consequences.

Running up your credit cards with the hopes of lowering your Expected Family Contribution will not work either. Not only does it not have an impact on the calculation of the EFC, but it may result in decreasing your ability to borrow money.