That shows poor planning. The day that baby bro is born is the day you save and plan. Buy the cheap Red White and Blue beer and not the Special Export. Get a second job and get off the internet and stop watching TV. The parents could take second mortgage to pay for baby brother. If you cannot afford this then don't have kids. This is called responsibility and is lacking now from past generations.
By the way, college costs more only because the government stuck there nose into it and started giving out secured loans. Then the colleges saw this gravy train and kept jacking up prices since now extra money was available. Same as Freddie and Fannie and house prices. Another bad ending coming on this one too.