I realized that I have been making the same mistake on my FAFSA applications for the past 3 years.

Paying for College
28

OP moved back in with mom.

If there’s 10k in that account they “share,” but it’s all mom’s, you don’t report 10k assets to mom and then 10k to the kid, just because both names are there.

No way you’d report 20k in assets.