So to put it simply, my oldest is going to start at a local community college, she may change to another after 2-4 years or just get her associates.

So that being said, I've been putting money into a 529 account since she was a baby. Will have close to 12k by the time she starts. I also have a few bonds, and family members who have said they want to contribute as well (for all 3 kids when they go to college).

All peachy, so now the Q is she's applied for FAFSA. Which we'll see what happens there, and what loans she's offered etc..

The college says in 2018 - a 4 year degree cost about 12K, with their local discount etc since we live so close. So depending on what she does, she's covered more than likely completely.

But does it make sense to have her get loans (since their interest free, and won't start till after she's out) Then use the 529 and others to pay off the loans? I'm assuming it'd help with her credit too?

And I have 2 other kids whom I could redirect some of the money to if she doesn't use it all, (their not going to college for another 5, and other 8 years. )

I've also informed all 3 of my kids I'm not taking a parent loan for them. I'll help where I can, but I think part of this is on them as well.