<p>OK…so let me get this straight…this family’s income is $72K…and they have $200K in assets (unclear how those are reported from these posts…but if they are in REGULAR CDs and the like…they are reported as assets regardless of their intended use).</p>
<p>Mom2 and others…If the assets are in regular savings or CDs…they alone would generate about $8000 added into the EFC (if you use 5.6% only on $150K of the assets). Are you suggesting that the income of $72K generates only $10K (or so…the balance of what the OP says the EFC is?)? That seems VERY low to me.</p>