Yep, we attended all the seminars about 10 years ago. Got hints on the FAFSA forms and so forth. Turned out that the 3 kids went to State Schools (no more than $15K/year WITH housing.) They DID qualify for several sources of merit and need grants/aid and loans. Total left to "them" was less than half. Even better, "grandpa" left them enough to cover most of the remainder. A BIG relief as I was staring down the barrel of ER at the time. (Thankyou, grandpa!!)
Ko'olau's Law -
Anything which can be used can be misused. Anything which can be misused will be.