In regards to office, Hotmail (at least mine) has the function to do Office docs from within Hotmail & save them within there. I have used this for docs I don't want to lose track of (goodwill donation tax lists, etc).
Gmail has google docs which I works get for docs, a bit harder for spreadsheets (because I am used to Excel).
The college method was how my son got his.
If you or your husband works for a state gov't agency (such as State of WI), check with employer. My husband receives an email once a year which allows us to purchase Office for $10. A bit extra if we want the CD (I just save the e-mail link which has a total of 3 downloads).