I'm not trying to be funny or cute here, I'm just trying to give you some useful advice. Don't waste time or money on nice quilts for your kids. I did. It was a mistake. Kids can't make their beds. They should be able to, but they can't. You will want their beds to be made because it makes your house look just a little more like the Pottery Barn so you'll make the beds yourself and then resent your children for being incompetent. You can't go on like this. Go to Overstock.com. Find a twin-sized comforter for 40$ (sometimes 30!). Buy it. Just buy it. Over time you will get one for each of your children--if you're smart you'll have only two. Why the down alternative, you may ask: It is washable.
Don't use a top sheet. YOU'RE KIDDING YOURSELF IF YOU INSIST ON A TOP SHEET! Do use a bottom sheet. Get a cute comforter cover if you like but, honestly, we use ours bare most of the time. Bare and comfy. And easy to make. Congratulations. You've lowered your standards without really lowering your standards.