sorry about this all with no flex on the inherited asset.
A few things to note college years: your kid can work on campus and during the summers; if your kid can move off campus after freshman year, that might help with living costs; and dont forget about about the $2500 tax credit of AOTC if your income is less than 160K a year. (if it is, that’s an extra 10K back to you).
Not sure if your 15K you need includes the full cost of attendance or not, but that COA often is padded with living expenses and travel, we’ve found our older kids’ costs were 2-3K less than what was planned for. SO look closely at that Cost of Attendance, and what you really need to spend.