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They don’t count home equity or retirement accounts in the totals, which greatly reduces assets. So according the the calc, a family with $150k/yr income and $900k in non-home/retirement assets still gets financial aid, even if the $900k is in cash savings. A family with $200k/yr income and more than $300k in assets still gets financial aid. With multiple children in college, income can go as high as $340k/yr and still get financial aid. I very much doubt that the majority of posters on CC are in this group. The vast majority who list their income in decision threads certainly are not, and even if they are, you said this no FA group would find the college unaffordable. Some families that have an income of >$300k/yr or a million in savings find college affordable.</p>