Thanks, everyone, although I’m not sure we came to a definitive conclusion!
I finished my withdrawals on Friday and did rent amount from lease plus Venmo payments for utilities to roommate. I used the lowest meal plan for the “board” (the COA for board is significantly higher) since we do not have all the grocery and eating receipts. We do not get any AOTC or aid or anything else and our withdrawal was thousands below the total COA for room and board. I’m satisfied I did this as correctly and ethically as I could.