School days, school days; dear old golden rule days." School's back in session, and whether your child is starting first grade or looking at college catalogs, one thing is certain: You're going to have to come up with some of that precious metal to keep those golden rule days on track. Paying the bill for a college education is often as much of a challenge as getting accepted. The cost of a private college education, including room and board, can reach hundreds of thousands of dollars, and many students are on the "study now, pay later" plan. Since 1992, when government student loans became available regardless of the recipient's income, millions of new borrowers entered the system. But there are more ways to finance a college education than loans, so here are some methods for getting the most from a combination of loans, savings and scholarships to help you and your child win the college tuition game.