<p>You have asserted many times that the FAFSA EFC is distorted or unreliable but have given not information about why you believe it is distorted in your case.</p>
<p>–</p>
<p>Sorry, I thought I had made that clear in my first post. That contains not an assertion or a belief, but statement of fact. I’m disinclined to go into private details on this public board, but the basic fact is very straightfoward: the FAFSA predicts that we can pay $37,000/year; we can’t, not without risking impoverishment of our not-so-distant retirement. That includes two categories you mentioned: retirement funds not sheltered, and a small amount of real estate, also a part of retirement savings.</p>