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The parents may be paying for laptops, cars, applications and tests, etc from the account … or a private HS. </p>
<p>PS - Some schools that use the profile ask about retirement accounts (IRAs, 401Ks, and 403Bs) and if they consider the retirement accounts over-funded they may still consider that extra money as an available asset … so depending on how much you have already saved in retirement accounts than stashing extra money may not have the financial aid benefit for which you are looking at some schools.</p>