In fairness to the author I think her reaction furious and shock and guilt would be most peoples in this situation.
No one wants to move schools at short notice. If they had warned them they possibly could have looked at grammar school options for y7 and or 9. Now it will be which school has spaces. They could have done state primary and private secondary if they had known there was only a certain amount of money. (Or looked at cheaper options).
But of course she will feel shock and guilt because she’s also going to feel she shouldn’t have taken this money/realised sooner
Something like this you need to see an IFA, people always forget about care home fees (be that gifting parts of bouses, income etc). It may have been that a lump sum could have been invested.
She needs to speak to the school about bursaries (I’m sure they would get the eldest through at least), they may even get something for all of them. If not she just needs to make the best of it and find spaces in state schools,