Write the next sentence in the following story.

How to save for college
Estimate your need and set a savings target.
It is never too early to begin thinking about saving for college. Although you do not need to decide exactly what school you (or your child) will attend, you should begin to consider some general possibilities.

a). Understand that private universities generally will cost more than public universities. Public schools also grant tuition reductions for in-state residents.;
b). First of all, don't worry! You will almost certainly want to attend college in a different state than where you are currently enrolled. Expect your rules to be different in that state.;
c). Consider applying to major schools (most likely bottom tier schools), or to community colleges (probably has plenty of applicants and a selection of options for students). The average student in college would need to be saving about 3.5% for college and around 3.5% for college expenses.;
d). Recognizing that tuition is a factor you must factor into your retirement savings fund to see if you can afford any tuition. Find a program that is not only affordable but that meets your needs.;. The answer should be
a).