<p>'What if the family recieved an inheritence and has around 80k assets in CD’s, stocks, checking account,etc. Are you saying in order to reduce the EFC they should pay off all credit cards, home equity loans and part of their mortgage? That will reduce their available cash to pay for the college, but then again they could always dip into the HELOC again to get the cash out. I’m trying to find the asset protection age on the form right now, to see what available cash can be declared. It’s a catch 22.</p>