If the money never existed, let’s say I would be responsible for $20K/year. My grandparents (the student’s great-grandparents) wanted to help me pay for that $20K/year. I am wondering if the school sees it, they’d say “Hey. Now you owe $40K/year.” Their money would go toward that extra $20k to the school - not me helping to pay for the $20K that I would have qualified for on my own.