Why are you messing around? Why are you going to all this complicated trouble to avoid filing a simple form that has no tax consequence for you unless you are a millionaire? (If you are a millionaire, you should hire a professional financial advisor.)
Financial support for tuition and living expenses for your own child in college is not considered a gift.
You would use the 100% AFR for a short, medium, or long-term loan, depending on the terms of the loan that you set with your daughter.
