<p>Reply to both messages:</p>
<p>First of all, I am trying to do it as legally as possible. That is why I am asking for advice. I don't care what is 'right' as long as what I'm doing is not illegal. Do either of you honestly believe that I would want trouble with the government??? And to "swimcatsmom"... no, I don't feel guilty about telling a financial aid administrator about it. They themselves know that such a high percentage of a student's contribution is unfair- I've spoken to the financial aid person in my college already and they agree. And handing in an account that has been withdrawn for the most part isn't dishonest- I will be handing in an up-to-date, legit bank statement. Who cares where the money has gone, really? Are there any rules about moving around money? The IRA thing is interesting though... but would I be able to have immediate access to it? I also have bank accounts in Europe. Would it be wise to declare those even if I have no idea how much is in them?</p>