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We used both FAFSA and CSS and many other forms. So by “need” I mean what the FAFSA determined (0084). As we have no income and few assets (retirement funds and other not considered, home )
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FAFSA is a federal form. It doesn’t really determine “need” since it doesn’t look at all sources of income/assets. The Feds certainly have no authority in such matters when it comes to a college giving institutional funds.
You do realize that someone could have a VERY low income and millions in assets, and yet FAFSA wouldn’t count any of the assets? So, a FAFSA EFC is not reliable at all, which is why colleges that “meet need” do not use it.
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about lost "my religion" when they told me that our business financial loss was actually a gain! <<<
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that’s because businesses deduct things that schools think “hide income”…expenses like: cars, phones, insurance, gas, and depreciation.