Hoping someone has direct experience with this one: this is my 1st time applying for financial aid for D (high school senior applying now). I own my own business 50/50 with a partner. From what I've read, since our business employs < 100 people and I do not own it 100%, EFC calculations INCLUDE business assets as part of available monies to pay for tuition. But my business which is heavily regulated requires a certain net worth to operate (i.e., I cannot access my 50% of business assets without putting the business out of business). How does CSS Profile and/or FAFSA take that fact into account (or maybe they don't/can't)? If so, should I send each school a separate note from our business accountant stating that fact?