Well actually when you withdraw funds you can distinguish between withdrawing the grant money and withdrawing the contributions. Theoretically you could withdraw the grant money and have that come out of the contributions...although I have never been in that situation so I'm not 100% sure. I should note that as others have specified in this thread their providers don't seem to allow that specification, so maybe it needs to be said that your mileage may vary.
The only time that would be a concern though is if you were withdrawing after completing the education withdrawals (or electing not to do the education withdrawals).
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