Depends how old you / your kids are!
Mine 18 / 20 and will no doubt be looking to move out before too long. I'm 48, and not quite ready for assisted housing just yet!
All good logic.
My lad took a very clever path though, and did his degree in Cork - Irish tuition fees are just €3k a year. Our contribution was to cover his living costs, and the fees were down to him, but as they are so much lower he could manage them without a loan.
My parents told us (4 siblings) as youngsters, that if we were each minded to go to Uni, that they would find the money to help us do that, and would see that as setting us on our way in life. Each of us were suitably grateful, and understood that this was in effect a (very) early 'advance' on...