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Karen May admits to middle-of-the-night anxiety spells over the daunting challenge of coming up with the money to put her daughter, now a high school senior, through college.The stock market's steep dive has knocked 25 to 30 percent off the value of the 529 savings plan she'd been contributing to since Brie was born, putting her goal of contributing $15,000 a year out of reach. But the 48-year-old accountant from Vernon, N.Y., has found a key way to hopefully make some of it back besides cutting spending, skipping vacation and working a second job: She spends hours every week researching financial aid options with her daughter.