The balance is all protected. Profile do ask about the balances in these accounts…but it is suspected that this is just to see if retirement contributions are EXTREMELY high compared to income. No one really knows if these monies are used.
@SeekingPam the very LAST net price calculator MOST people should use to get an idea if aid is Harvard’s. First…getting accepted to Harvard is the first hurdle and with over 90% of applicants being rejected its not s slam dunk. Second…Harvard has extremely generous need based financial aid even for families with incomes in the $150,000 a year range. The VAST MAJORITY of colleges do not have generous aid like this.
It does most families NO GOOD to look at the Harvard net price calculator…unless their kid is actually applying to Harvard. The suggestion to look at the Harvard NPC is not particularly helpful if you aren’t applying there.