Talk about getting college loan expenses out of the way early. This family has it down to a science.

Bob Dotson of NBC News reports.

Meet the family who sent six kids to college by age 12

Named after her mother’s favorite song, Mona Lisa Harding home-schools her children in the basics, but found that her kids learned more quickly (and got less bored) when they were allowed to study deeply — something they loved.

“I don’t have any brilliant children,” she contends. “I’m not brilliant. My husband’s not brilliant. We’re just average folks.” Who inspired six children to enter college before they became teenagers.

Kip, their dad, didn’t take his own advice. He graduated from college at 25, while flying helicopters in the military. Mona Lisa studied to be a nurse before staying home to teach her kids. They were high school sweethearts who shared a passion for learning.

Here’s a video report.

Visit NBCNews.com for breaking news, world news, and news about the economy