Below is a link to the web site that allows you to explore 529 college savings plans. One aspect of the site is to compare the costs of savings vs borrowing for college.
It is really impressive to compare the difference in costs. You might use 6 or 8% for the return on savings and 6.8% for loans. Take a carefully look at monthly payments and total cost.
I was using this site to do some planning for my grandson, Nathan, who is 3 1/2 years old.
George A. Letchworth, Ph.D.