<p>You can't really cheat the college or the government. For example, if you make $200K and magically have no savings, have a Toyota, an alright house, they'll know what's up. You can try to cheat them but you will end up losing. They have formulas, experience, so you won't be able to pull a fast one on them. Besides, they'll just look at the 200K and simply say 10% scholarship, 20% loans, the rest out of your pocket, buddy.</p>