Ok. My son gets 28.5k a year in merit. . I hadn’t taken that money out but I was beginning to think I should on top of the actual expenses I take.
I thought that if I took out that extra 28.5 there would be no tax hit. But I’ll look again.
I also don’t get the kiddie tax bcuz it’s my money (in my name with him as a beneficiary. My tax rate is high.
Honestly I think I keep it overfunded because a) I don’t need it and b). These rules are so confusing that I figure if I just take the authorized expenses, I have nothing to worry about 
I figure there will be grad school although who really knows ….
I’ll dig in though and see if I get it. Thanks.
Ps one mistake I made is I put him in a 2027 plan because I have that risk tolerance. It paid off until the market cratered. So it just fell from I think 87k left to 76k. And so I’ve been holding off on withdrawing. The markets are coming back. Hopefully it continues. But note to those who can’t do without - get the money into a current year plan or money market so you don’t risk that principal.