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En español | It's one of the questions I get asked most often: Do you save for your children to attend college or for your retirement?The answer is the latter — because there's plenty of financial aid for college but no financial aidfor retirement. The number of graduate and postgraduate students ages 50 to 64 has been climbing steadily, from 625,000 in 2007 to as many as 750,000 in 2011 — a 20 percent increase, according to the National Center for Education Statistics.

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For most types of federal financial aid, you need to be enrolled at least half time in a degree or academic program.

"You can't just go back and enroll in continuing education or take one class at a time," says Karen Mc Carthy, senior policy analyst with the National Association of Student Financial Aid Administrators.

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