<p>I thank all of you for your responses. The intention is not to “cover up” retirement saving ( however meager); The intention was to show it all ( even if not needed yo show) so that the real situation between income needed for retiring and expenses towards kids college are sensitively judged. In some forms I believe retiremnet income is not a data point for any EFC calculation.</p>
<p>Now this 5.6% you mention … Is this the calculation for all 4 years put to gether or per year basis?</p>
<p>I have one kid ready for college - done extremely well n school and outside but I also have another kid who will join immediatley after the first one graduates; Hence all these questions and thank you for making things clearer</p>
<p>olderparent</p>