This coming Sunday marks the switch to Daylight Savings Time here in America. "Spring forward!" we're told. Then it will be darker in the early morning and brighter in the early evening. Yes, spring is near. As we approach spring, high school seniors ramp up their anxiety in anticipation of the arrival of their college admission decisions. That's one form of anxiety. A second version comes with their financial aid packages. Will it be enough? If not, how much will they have to borrow to enroll?