Hi, I've been lurking. I want to give you something to throw back at your co-worker...Tell him she's smart & she's going to get a scholarship, or working your way through college builds character. My parents saved for us to go to college, but there just wasn't enough to make a dent in things. However, they instilled us with good work ethics & both my brother & I had multiple scholarship offers. Nothing was a full ride, but I got tuition paid at a school that was top ten in the nation for my degree. I lived at home & worked to pay the books & fees. That work experience put me ahead of the pack for jobs out of college.
So with college out of the way, the best things my parents did for us was to take vacations. Two vacations a year - once in the summer & once over Christmas. In the summer we camped, at Christmas we stayed with relatives (thank you relatives who live by Disney Land). They may have been cheapo budget vacations, but the memories they created are priceless.