Most questions families get stuck on about school have somebody whose actual job is answering them. The difficulty is knowing which person, and how to ask.
The protection is real, considerably narrower than most owners assume, and easier to lose than anybody expects. The rest of the decision is bookkeeping and habits.
A memorial passes through a quarry, an engraving shop, a cemetery grounds crew and a foundation setter. Knowing what each one controls tells you which choices are truly final.
Software handles a simple return well and cannot ask a question. The gap between those two facts is where most of the money in a growing side business sits.
Tuition is the figure on the letter and rarely the figure that decides anything. The rest of it is entirely knowable in January if somebody sits down and lists it.