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[quote=Anonymous]Get the Princeton Review financial aid guide and read up on how aid is calculated. Your questions show that you don't really have a grasp on how the system works. After you do some reading, you'll see what you need to know and probably won't need an adviser. Little adjustments like the amount on your credit card or your car payment aren't going to change very much. What can matter is where you have investments sitting. They don't look at retirement, but a certain percentage of parental savings are seen as available for spending. A much, much greater amount of funds in the child's name are assumed available. So if you have a large sum sitting in the wrong place, that can be a problem. But if you are filling out the FAFSA for next year, this is water under the bridge.[/quote]
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