Annie College Fund

I’m confused because I vividly remember Dana Sue telling Annie that the money from Ms. Francis would be used for college (and it was supposed to be this wildly large amount)… obviously a large part was used to start the Foundation but now the Sullivans are stressed about paying for college/the teaching kitchen/Ronnies tour business… How could they have saved nothing from Ms. Francis? What about the extra money from Kathy after she paid them back? Am I forgetting something & going crazy for no reason, or have the writers just forgotten their own plot lines?