<p>"Usually any extra money put into retirement accounts is counted as available for college expenses "</p>
<p>correct
This is our situation
Retired, no income, living off investment account - no future income - but these savings are considered to be available for educational purposes. And yes, we do consider part of them to be set aside for that, but will take a huge hit if dream schools come through, as they will most certainly come without merit aid and our EFC is 100%.</p>