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The end of summer will be here before we know it, and with that comes the back-to-school fall season. Whether you’re sending off your oldest child to their first year at college or your youngest child to their senior year, this prudent guide will enable you to continue assisting with financial and health decisions while protecting them from the consequences of identity theft.

Over the past decade the cost of higher education, including tuition, fees, room and board, rose at average rates of 1.9% per year at public four-year and 1.8% per year at private nonprofit four-year institutions . Expenses vary substantially according to institution type.