<p>“I am now playing with the efc calculator and got it to give me my current exact efc. I add 90K of savings and my efc is the same.”</p>
<p>Your family probably qualifies for the simplified needs test, were assets are ignored if parent’s AGI is under 50K and they can file short form taxes.</p>
<p>BTW, OP’s concerns may be unfounded if his/her parents qualify for the simplified needs test.</p>