As mentioned above, the executor of the estate has some flexibility of when to distribute the assets. You can ask if the distribution can be delayed. Not really a trust issue since your sister has a fiduciary responsibility to the estate.
^^well, trust CAN be an issue when siblings are given the responsibility of being the trustee AND are also inline to inherit $$.
We found that out the hard way…
land in SV might get an offer as soon as it’s put on the market, but it can’t be sold if there are any liens- including unpaid tax liabilities. Heirs always think it’s as easy as calling a realtor and getting an offer- but the executor is responsible for full due diligence before trying to unload the asset.
You have gotten good advice, OP. Sounds like you will most likely get thru undergrad before this gets settled. Just wanted to say that paying off loans is always a good idea (my two cents). Imagine entering grad school with $ and no loans! An enviable position to be in.