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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Yeah, OP is willing to spend thousands on a financial advisor but not willing to pay what she owes for her kid's education. [/quote]

"What you owe" is so completely arbitrary and the process is so opaque that the concept is meaningless. Two people with the same income and assets can end up with wildly different aid offers for reasons that neither party will ever know. If your kid gets a free ride because this year they want female flute players but my kid has to pay full price because they already have enough male Eagle Scouts, does that mean you didn't "pay what you owe" but I did? [/quote]

That's not financial aid, that's merit aid.  OP is asking about names of advisors that help you manage/hide assets to increase chances of getting financial aid.  Fortunately, it's pretty hard to game that system because nearly all schools that would cost more than a family making 100k can afford will ask for more information via the CSS profile (e.g. private schools and out of state publics).  Our HHI is 110k  for a family of 4 and we have about 150k in 529 plans/brokerages outside our retirement account etc.  and were given an expected family contribution of 32k/yr from FAFSA.  So we only qualify for a little bit of aid at the most expensive public schools in-state (mainly loans), but might have more if we went to a private or out of state public (though again for most schools this would be loan offerings).[/quote]

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