Tracy is a single mom of two who has put paying for college at the top of her priority list. That’s natural, of course, she wants her sons to get off on the right foot. But the devil is in the details. Should she sell her house and downsize in order to fully pay for college or is it better to borrow? And, if they do borrow, should they look at Stafford loans, PLUS loans, private loans – or a mix? HerMoney.com’s Jean Chatzky and Citizens Bank’s Christine Roberts weigh in on how to maximize the money stashed in 529s and fill the remaining gaps.