I have been prepared to pay for my daughters college and other expenses but as luck would have it, I have had considerable recent bad luck with some very expensive car repairs/replacements, as well as a sudden change in income (relating to how government/medicare is reimbursing medical services). So there isnt a little pot of money like I was planning.

What are the best ways to finance college in these situations? I am sure that we probably aren't going to qualify for any aide or grants due to income. So I think that means that we really can't get any gov backed student loans either. Looking for around $10-15k

Where does that leave me:
Student/parent loan through the bank?
HELOC through the bank?
Credit Card?
Other? (yes, I considered just selling drugs on the street corner, but decided that its too big of a risk 😉 )

And what are the advantages and disadvantages of each? I am guessing a HELOC might be the best situation, but I am not a finance guy, so that is just a guess?


TIA