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Why are we only addressing those in the first place? You were responding to my advice that talked about trying to avoid distributions from an estate directly to a child.

You also seem to ignore that I discussed custodial 529 accounts at great length I provided this information for the OP on the thread. It’s irrelevant whether you know the details of these or not. And you provide no evidence whatsoever for your advice to contradicts specific federal definitions of assets , and long-standing rules for FAFSA treatment of these. I would say this actually runs completely against “common sense”.

You seem to be really focused on non-dependent students. That is not the case in the scenario described in this thread (and is rarely the case anywhere for most college students), so your posts are not helpful in this regard. You seem to be here specifically to argue for whatever reason on issue that are not germane.