Tzedaka and Tuition

Question

With regard to the question of giving tzedaka when owing a hefty amount of tuition, you gave good advice as to switch with his friend etc. But as to the essential question. Should a person have to give maaser at all if he can't pay his bills. Any bills, and especially yeshiva tuition bills. It would seem from the S.A. that one who can't pay his bills is not mechuyov in Maaser at all. (Also, might not tuition be considered maaser, depending on the age and gender of the child.Is this correct?)