Thanks for all the suggestions!
@blossom No, I did not calculate the impact to her financial aid which I should do instead of assuming it would be a huge impact.
@austinmshauri Not sure if her mother is willing to co-sign a loan, but I definitely don’t intend to co-sign every year. She’s borrowing about $6000 via fed sub/unsub and is short another $15000. She was strongly considering CC (partly because of COVID impact and partly because of cost) but decided against it.
@twoinanddone I hadn’t considered making her the owner of the 529. Will definitely consider that.