The oil cooler may not be your problem, I was just trying to share an experience/symptom that I was paid to repair. Yes, that's usually the case (oil in the coolant overflow=a bad oil cooler/gasket), but in my example the gaskets that rotted due to rust and corrosion and the perferated (sp) cooler allowed the two fluids to co-mingle. The head gasket was definitely bad too, as internal and external leaks were noted, but two problems existed (with no oil in the coolant overflow bottle).
If your head bolts were streched, this could be a clamping issue.
You have 6 long bolts (rocker towers) 14 medium bolts (center of head) and six short bolts along/above the exhaust manifold.
A plastic go / no go gauge is available thru Cummins distributors for gauging the length of the bolts to see if they are stretched beyond the service limit.
Good luck, Andy