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savings vs loans: which ones increases the sch's calculated EFC more?

pmwosapmwosa 47 replies27 threads Junior Member
I'm an international applying to several need-aware schools, so i'd like to raise my EFC as mu7ch as possible. my family will take out a loan of about $18k, but i'm not sure if i should subsume it under "family savings" (technically the loan WILL go into the savings account) or just state it as loans.

i want to increase my EFC as much as possible to increase my chances. what to do?
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