Personal finance from around the Web:

• Worth their weight? 4.5 million homeowners in the US are carrying houses worth less than three quarters of their mortgage balance. Some are throwing in the towel instead of waiting out the real estate market. [The New York Times]

• "Cheap" seats for this Sunday's Super Bowl are selling for $1,500. Definitely not a bargain, but compare it to the Lower End Zone sticker price of $3,425. [Smart Spending]

• January job cuts in the private sector were the lowest in two years — a sign of business' confidence in an economic turnaround. [BusinessWeek]

• The case for clunkers: why one blogger chooses to "drive a lemon" and "save some cabbage." [Get Rich Slowly]

• The FAFSA is free, but more parents are turning to financial aid consultants to maximize their child's chances of receiving money for college tuition. Before hiring this kind of professional, ask some questions first. And check out this advice for financial advisers on how to approach college funding.  [Managing Your Money | Investment Advisor]

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