OP - I definitely feel for you. Figuring out paying for college is probably one of the toughest things to do in life. I hate the 4% orig fee, but it sounds like you might have to do it.
Can you do a loan against a 401K. If you think you can replace the money I might also go for the IRA. If you do a combination of all of them then it is somewhat like a hedge.
I harp on my kids to work. You either play sports in the Summer or work when you are 16. My D19 has been working like crazy. She did 26 hours last week which is a little high for her, but putting in the hours means $$$.
@blossom I know what you mean about a job. During my Senior year in HS I worked at a country club. I worked every holiday except for Xmas day. It is just what you had to do.