So, oldest D is next fall will be in final year of college. Between her college savings account and my contributions plus summer job has been able to cash flow tuition+room and board +misc expenses. However for this final year her college savings account has been zeroed out. In addition, I may or may not be able to contribute as much this coming year. And she will need to live off campus (did not get into student housing). So, there is going to be a shortfall. I am trying to rent out my attic, but it is not a guarantee. I said this is the time for student loans, but she said that she cannot take a student loan for off campus housing? What have others done in this situation?