I know a guy similar to #4, he and his wife both working professionals but with 4 kids were far from living comfortably. He went into his daughter's school's office to explain his situation and they gave him somewhat of a tuition break. When, after filing his taxes, he realized that he'd made more than he'd expected for the year, he went back to the school to pay the difference. Guys like this IMHO are the answer to the tuition crisis.
(should also be in JJ's new thread, I think)