Actually…this financial planning should have been done two years ago. Remember…financial aid forms use prior prior year information now. So far, this family hasn’t planned…even for the 2019-2020 financial aid forms…because those use 2017 info.
So…what planning exactly will be taking place…other than to let the soon to be college student look at an excel spread sheet and see how he is creating so much debt and frugality for,the rest of the family.
Something wrong here.