Financial Advisor who is on retainer, kids getting Pell grants, grandparents willing and able to fund a 529… and you’ve spent 3 weeks trying to save-- what-- $500 bucks from a federal entitlement program?
You realize you are paying yourself less than minimum wage by pursuing this avenue?
That’s not the wisdom that’s been shared here. When FAFSA and Profile moved to the prior-prior year model, it was easy to see that any distribution from a 529 account not owned by a parent or the student that was made in the second half of the sophomore year forward would not have any impact on the EFC, as long as the student followed a traditional timing track.
MODERATOR’S NOTE: Considering the OP’s responses to advice posted in the thread, I think it’s time to close it.