Bill Marsh…maybe someone else will be able to tag you for responses.
How much do you think you will be able to pay for college when the time comes for those bills to be paid? That is the single most important question you need to ask now.
As noted, your college debt won’t factor into your child’s need based aid at all. But It very much could factor in to your cash flow and ability to pay for college.
It sounds like your kid is finishing his freshman year in high school.
Your family budget for his college costs will need to also factor in your loan repayments.