Thank you Thumper! ! If I had a nickel for everyone who said I had a lot on my plate 
But I am an eternal optimist with three amazing children, and we are going to get through all of this I hope and pray!
Yes, we can afford UMass. As a matter of fact, the parents are able to contribute from 529‘s their agreed upon third. My son does not have his third as agreed to in the separation agreement. Plus what do I do if he gets into a better school? I was hoping he would go further than I did in his academic career because he is a better student but maybe I need to wrap my head around the Massachusetts state schools.
So somehow my son is going to have to come up with $50,000 for umass over 4 years. I believe the most he can take out on subsidized loans over four years is $27,000? I’m not an expert on loans.
I can’t imagine the father will cosign on plus loans. And because I’m not working, I will not be able to qualify? I’ve been advised I cannot spend my other savings on college because the money that I have, I need for my medical/living expenses going forward as full time work may not be an option for me anytime soon.