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That is really only/mostly for undergrad, right?

I am sort of kind of playing with the idea of getting a masters. Problem is, I have very expensive taste in education. It isn't that I wouldn't go to a state school. It is that I have yet to find a reasonably priced school that offers the degree that I maybe want.

So would it be better if I took the chunk of money that has been building up for "someday investing in an account other than a 401k or IRA" and doing so? Are they more hands off with that than if it were in, say, a savings account? Or is grad school financial aid so school dependent that there is no one best way?
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