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First, it seems we are writing to the parent, not the child. If so, please be honest and identify yourself accurately.</p>
<p>Next, I wanted to add that shifting money is a huge tax issue that should not be forgotten. Each individual is “allowed” to make a financial gift that is not taxed. It used to be $10K, now I think it’s $13K. OP, are your “grandparents” prepared to pay taxes on this change? It’s not just a matter of hiding your assets, or looking like you have a small pot. It’s dishonest and will get you in trouble. Remember that student who earned $33,000 in FA by dishonestly reporting his scores and achievements (and now has to pay it back)? Do you want that to be you too?</p>