Delyanna Gilsanchez, 3, listens as her mother, Laura Gilsanchez, explains the Families United in Educational Leadership program to Hispanic immigrants in Chelsea, Mass. The program, started by Boston banker and philanthropist Bob Hildreth, encourages immigrants to set up college savings accounts for their children with the promise that the money will be matched. (Associated Press)

Delyanna Gilsanchez, 3, listens as her mother, Laura Gilsanchez, explains the Families United in Educational Leadership program to Hispanic immigrants in Chelsea, Mass. The program, started by Boston banker and philanthropist Bob Hildreth, encourages immigrants to set up college savings accounts for their children with the promise that the money will be matched. (Associated Press)