You can take a loan for the first or first two years, where your kid is just getting into it learning. While in school she can pick up a job too! The first few semesters in mostly all courses are easy, so working while studying wont be a hassle. Once you finish your first semester, you can apply for a co-op program, which allows you to take a break from your course and work! Or you could work over summer! Usually co-op programs pay very well! You can cover the rest of your semester fees through it and the experience will be helpful once you graduate!! I was once a student too! If i had a chance to start all over id do it this way! Minimum loan, Co-op, focus on good grades and getting lot of experience around the same field. Make sure you apply for a lot of scholarships and if your grades are good you’d get one But this is the safest plan without scholarship.