On the tax forms I will be using to fill out my FAFSA and CSS Profile, my AGI is very high. However, almost half of the AGI is from money my parents took out of their retirement plan to pay bills. Their pensions and annuities are fully taxable, so my family's taxable income and AGI are extremely high. I know that FAFSA probably will not take this into account when calculating my EFC, but will the CSS Profile? Also, do some schools allow you to explain this financial situation to them directly? I'm just scared because my family's actual income is only half of our AGI, so our EFC from FAFSA is going to be ridiculously higher than what we can actually afford.