<p>Since you mention PA schools, that sounds like you’re looking at PA publics or other schools that don’t look at the ex’s income. Don’t feel like you’re being punished for saving.</p>
<p>you seem to be under the mistaken impression that those schools would give you more money if you hadn’t saved. In truth, those schools only give lowish income students money. Therefore, if you hadn’t saved, your kids would be badly gapped with no way (no savings) to fill that gap.</p>
<p>You may want your kids to look at schools that give good merit scholarships. Penn State does not give good merit scholarships, not does it give good need-based aid.</p>