Financial planners would certainly like for their clients to have a plan when it comes to college.

Forbes reports.

What Financial Planners Wish You Were Doing About College Savings

College is generally not a surprise. From the time your children are born, if you suspect they’re going to go to college—and about 68% of high school graduates do—you have 18 years to plan for it.

And yet, only two in five families with kids in college made a plan to pay for it, according to Sallie Mae’s most recent How America Pays for College report—and that number that hasn’t changed significantly since 2010 when Sallie Mae started asking the question.

By “planning,” the report talks about researching types of schools, thinking about how much everything will cost, considering what resources the family might be able to throw toward college expenses and setting goals. And planning ups your chances of success substantially. Families with plans generally end up being able to put more money toward college and their students borrow a third less money than families without plans.