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my son is currently a HS soph, so will be applying to schools in fall 2014. I've been reading up on the forum, tinkering with some NP Calcuators and trying to get a handle on it all. I have a couple of questions if anyone has the chance to help. We will be borderline on the possibility of getting any need aid. From the NPC's it seemed that some schools may offer about 10K and others nothing. But then 2 years after that we will have 2 kids so presumably there would be more aid available. And 10K of course would be helpful....
1. when do we fill out the FAFSA and CSS online forms? Is it fall of senior year with previous year's tax info? (in this case 2013 tax returns) Or, would it Jan/Feb of senior year with 2014 tax returns?
2. when are savings accounts and investments looked at? Do they want numbers as of the time of the FA app? Or is there a look back period?
Like many out there, I need to make some decisions about distributing some money between savings and sheltered retirement savings.