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A Troubling Financial Aid Wrinkle Parents are often worried about how their assets will impact their chances for financial aid. Often their fears are overblown because financial aid formulas don’t penalize families for all their assets. But it is true that families are now experiencing a harder time protecting their assets from financial aid calculations because of a horribly flawed federal formula that needs to be changed. I’ll explain the harm that this old formula is causing families, but first some background on the two big aid formulas. Financial Aid Formulas and Assets The reason why assets are often not a deal breaker when seeking financial aid is because of this reality: The nation’s two main financial aid formulas don’t penalize parents or students for the money they have invested in qualified retirement accounts such as Individual Retirement Accounts, SEP-IRAs, 401(k)s, 403(b)s, KEOGHs and pension plans. You could have $1 million dollars parked in an IRA and it wouldn’t hurt your child’s chances for need-based financial aid at the vast majority of schools. Main Financial Aid Applications Anyone hoping for federal and/or state aid or wanting to obtain federal college loans must complete this application. Most colleges also use the FAFSA to determine who will qualify for their in-house grants. The FAFSA is a transparent aid application. You can see just what factors are assessed when the government releases is yearly formula. Here is the current one: What you’ll notice if you take a look at the federal formula is that it also doesn’t inquire about whether you own a primary home. This is another reason why family assets are rarely an aid deal breaker. Most people have the bulk of their wealth in their home and their retirement accounts, which the FAFSA ignores. The PROFILE is the College Board’s financial aid application that is used by roughly 260 colleges and universities that are nearly all private. These schools, including the nation’s most elite institutions, rely on the PROFILE to determine which students will receive need-based financial aid from their schools. These institutions still use the FAFSA, but only to determine their students’ eligibility for any state or federal aid. Schools that use the PROFILE can customize this aid application in endless ways. In fact, the schools can choose from hundreds of optional questions and how they treat the answers can differ significantly. For instance, some schools consider home equity, others don’t while still others link income to home equity. The latter policy is supposed to help families who are house rich and cash poor. What is irritating about the PROFILE is that some of its formula is secret. The College Board doesn’t feel compelled to share its entire proprietary formula. The College Board, however, releases a lengthy publication every year that tries to anticipate many questions that parents would have about its aid formula. I would urge you to take a look at this 54-page PDF: What Aid Formulas Care About Both the PROFILE and the FAFSA do care