I agree with what others said - don't do it. It is not your money, it is your son's college money. Only invest what you can afford to lose, and you cannot afford to lose that. If steem crashes or goes to zero, you'll be out everything and miserable about taking the risk - and that's what investing in crypto is: RISK. Amateurs tend to only look at the upside potential, while pros look at the risk of loss.
That said, if you can set aside some money apart from that account, invest that. Every little bit helps! Don't look for a huge return, average buying over time, double up when it goes down, and hope/wait for the upturn. Most of us expect it to come, eventually.
Be smart and be patient. There will be other opportunities to take advantage of in the future. :)