Future?

I am a little girl, I am not afraid of the future, but I am worried about it. I am juggling two jobs now, a regular hospital pharmacist and a part-time instructor. I asked my students how much did they pay for their tuition fee and they told me, it's almost 32,000php for the first semester. I was like "oh no! That expensive?" Early this afternoon, the class were dismissed a little early. I had a friend, also a part-time instructor who told me that he needs to pay for his sister's tuition fee, and I asked him, how much will he pay, he said that he has to pay about 7,000php for pre-lim only. Then, I realized, if ever I will have a family in the future and I need to send my kids to school, how will I afford all of it? It's very, very expensive to send someone to school and in the future, if ever, what will I do?