How To Withdraw Money From A UTMA Account?

Hi, I have a UTMA account with Merrill Lynch Wealth Management use to be Banc of America Investment Services, Inc. but Merrill bought them or joined forces or something like. Anyways its with Merrill now and I wanted to know when can the UTMA or CUST (UTMA me & CUST my Mom) withdraw some or all money if possible the money is suppose to be for collage. The way my mom set it up is when I turn 25 years old (18 now) the account would be mine. But were having budget crunches (foreclosure) and need the money to get things together. New Jersey law applies to the UTMA. So tell the procedure in order to withdraw money out of the account. Thank You...