NEW YORK ( TheStreet) -- Any parent of a college-age son or daughter knows the calendar, and the drill. It's August, and that means college tuition notices -- some for $10,000 or more -- are in your email bin or your mailbox. That could mean trouble for some families. According to a study from Sallie Mae and Ipsos, How America Pays For College 2013, mom and dad are having a tough time digging deep enough into the family bank account to pay for college: here. Scholarship Search, or sign up for opportunities at Scholarships.com. Even if school has started, it's not too late to grab some scholarship cash. Turn to student loans. Sallie Mae advises parents struggling to cope with tuition costs to borrow money, aiming first for federal student loans (visit StudentLoans.gov for details). Once you've exhausted possibilities there, fill the gap with private college loans. Sallie Mae can get you started here, or you can talk to your bank or credit union. Talk to your employer. Many companies offer tuition assistance programs. They're a great recruitment tool for firms looking for top-notch talent. Companies often offer tuition help for employees and dependents of employees. According to FinAid.org your company might offer you and your family up to $5,250 in employer education assistance benefits for undergraduate or graduate courses tax free each year, per Section 127 of the Internal Revenue Code. The moral of the college tuition story? It's not as late as you think.