I assume ( as per my experience), that they expect you to access your " new found wealth" with a home equity loan to help to pay for college.
It isn't apparently relevant that you can't afford a bigger mortgage ( although lucky you to have controlled property taxes- our assessed value has been going up 15% for the last 15-20 years and our current taxes are what our yearly mortgage payment used to be. That is , before we had to refinance to access $$ for tuition.)
