When Miss KT was about four months old, we got life insurance policies that, when she turned 18, would have the projected cash value to cover four years of state college for Miss KT. I knew there would be no saving, Useless Boy being...well...useless, and I wanted to be sure she wouldn't have to take out loans for her undergrad work. The premiums came out of my checking account, so I knew it was kept current, and he reimbursed me for the premium amounts, after I took him to small claims court. He cashed in the policy last month. I called the agent when the premium wasn't taken out this month. She graduates from high school in June, and starts college in August. Half the money that my kid needs for college is gone, and I know there's no way to get it back for her. I've told her all her life that we had money set aside for her college, that tuition and books were covered, no problem. Now this. And I had to tell her. She is furious, and even though I assured her several times that Hubby and I would take care of it, we'd get her through, she's angry, and I don't blame her. She feels betrayed by her father, that he's lied to her, and she's the one who said he stole her money. He better watch out when she gets hold of him. She is PO'd and loaded for bear. I'm just sick about it. I tried so hard to protect her, and I wasn't able to keep her college money safe.