<p>A lot depends on how much money you're talking about. If the student has $3000 in their savings, you are not going to net much by moving it into parent accounts. Also, anything you do in terms of moving now could be questioned as your interest, etc will be computed by what's in the accounts for the 2006 calendar year. The best advice about "getting the most" is BE HONEST. Just do the forms. If you are fortunate enough to have some student assets, consider yourself fortunate. There are some folks here who can give you some tips on what to do with your accounts prior to filing the FAFSA and Profile. We did make one expensive essential purchase for each of our kids prior to filing the FAFSA for the first time...for DS it was a new trumpet and for DD an English horn. But those purchases could be easily justified to anyone asking...DS is a music major, and DD a music minor (and one of only two oboe/English horn players at her college). Consider also, that if you spend money on other things prior to filing for finaid, you will NOT have that money to be used for college expenses.</p>