I do understand those pressures. As for your kids college, perhaps if your income is reduced, they could qualify for financial aid. Or maybe, things will have changed enough that many 4-year public colleges will be free, although I know some people are against that. I know that student loans plague many young graduates in the US. It's rough, and I feel very bad for such young adults, but that's all too common in this day and age (in the US), and most of their parents do not have serious illnesses.

My parents did not have to pay for my siblings' college, because my brother went into the navy and my sister got married young and received a minor degree through her work education. They did pay for my college, but they encouraged me to go to the state university, which was much cheaper than a private college/university. There was absolutely nothing wrong with my state university. Plus, many graduates who did well, went on to graduate school at ivy league universities. My first love was accepted into graduate school programs at Princeton University, Yale University, Cornell University, and UC Berkeley, from our state university. They paid him a stipend in the chemistry program, which covered his expenses. He didn't need a car, nor did he need fancy belongings. My point? I would hope your kids would understand how ill you are and out of love, be willing to forgo some luxuries in earlier life. Of course it's just my opinion, but I think it's often a good thing.