> So, assuming all 3 kids go to a $100K/year type school, and we pay cash, that is $12 MILLION dollars over the next decade I will be paying

You forgot a decimal there.

If you want to fund your kids’ elite education and you can’t front the cash, you can take out the loan or agree to pay a loan they take.

Plus, your $300k bonus (maybe $150k after taxes) will go a long way towards financing this obligation.