Sick over "award" package

<p>Regarding OP’s choices, sorry to go back to the charitable giving and I realize that is non-negotiable to the OP, but found it interesting that I immediately framed the decision in my mind as:</p>

<p>I would use my ‘extra’ $15K per year for D’s dream college and then decide whether or not to take a HELOC to continue making annual $15K charitable contributions.</p>