If you’re one of the almost 83 percent of Americans who get a tax refund, adjust your withholdings to fatten your paycheck, says Lynnette Khalfani-Cox, author of College Secrets. Then set up an automatic transfer so that newly freed cash goes straight into a college-savings account. Beyond putting money aside, do everything you can to lower the cost of college. In addition to applying for financial aid, use a scholarship search app like Scholly. It’s not simply based on GPA—you might also find awards geared toward athletes or kids who pursue certain majors. (There are other surprising scholarship niches, including ones for students affected by divorce, ADHD, and so on.) Be wise, and don’t get stuck on a brand-name school. Talk to your kids early and often about state options. Also, some public universities offer merit-based scholarships or out-of-state tuition waivers for students from neighboring regions, which can save you a bundle (generally, nonresidents pay two or three times what locals do). Once your kid has made it to campus, there are great discounts on textbooks to be had at abebooks.com, says Khalfani-Cox. The site sells black-and-white paperback versions of textbooks (so-called international editions) discounted 80 percent and upward. Since college students spend as much as $1,200 on books and supplies annually, these discounts can make a big dent.