One university will now guarantee the net cost of your education through four years.

The University of Dayton has an idea that I think is really smart. Did you know the offer letter a college will send to a high school student is a true bait and switch? It's like a loss leader where they discount your freshman year to entice you in, and then your tuition gets jacked up for sophomore year moving forward.

But the University of Dayton will make a financial aid offer to freshmen that guarantees they will never pay more than what they paid their first year going forward.

Meanwhile, when you go to sell your old textbooks after this year, don't sell them back to the school bookstore. You'll make much more selling on your own via Chegg.com, TextBooks.com, CampusBooks.com or any of a number of other sites.