<p>The trust is irrevocable. I guess my question stems from the fact that the “trust” owns the money. She is a benefactor. She does pay taxes on the interest the way it is structured. She files her own tax return. (The Trust attorney acutally does all the filing and the trust pays the taxes via distribution) but you get the point. I will consult the the Trust attorney, but that really screws things up. Especially if we are forced to ask for a distribution because it tips the scales to unaffordable. And even more so if the request is denied.</p>