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boisepark, I can relate to your situation to some extent. Our S is a senior and we are about to go through the financial aid process. While our income is lower than yours, we, too, have been prtty frugal in our spending and lifestyle with no outstanding loans, exccept for a house mortgage. A financial planner suggests that between now and end of 2009, we go on a shopping spree -- a new car, a trip to Australia, etc. That's just not us. I expect our EFC will be high and S will receive minimal financial aid. I do not think the system is fair, but I still feel more confortable staying with our values, rather than changing things to "game" the college financial aid system.
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