大学申请资助

上周五注册了账号填了FAFSA,有一项问有没有2022税表有schedule E 出租房，净值多少，我答了YEs, 估了个0.5 米净值，在加上短期国债里有0.5m, 这种情况是不是即使两个孩子，一个今年一个明年上大学，也拿不到任何资助？如果这样，明年就不填了，这些信息把家底儿个人信息全暴露了。

还在等待批准中。

两个小孩同时上大学，EFC要分两个小孩，说不定还是有希望的。

Assets count for much less than income. Only 5.64% of your assets is considered available for EFC.

谢谢。再小声问一句

如果一份美国收入我的W2，再加上队友的中国收入在联合税表上显示超过0.5m,还有希望吗？三个independents.

your efc percentage from w2 should be around 30%

so if you have two and you are making 100k, then the efc for each child is (1m*0.05+100k*0.3)/2=40k. Depending where they go, you might be elegible to some FA.

如果还能有FA也是很小一点

这个收入没有

公式是这样的

Financial Aid = cost of attendance (COA) - expected family contribution  (EFC) 

COA is published by every school, it includes tuition + books + food + lodging.  Even tuition is only $20K, the other cost could easily be 30K so let's say your cost of attendance is $50K.  

EFC = parent's income x 47% (roughly for highest level of income) + parent's asset x 5.64% + student income x 50%  + student asset x 20%. 

1. Lower income might have percentages between 22% to 47% for EFC, I am just using the highest for simplicity.  

2. For your EFC calculation, parent's income is after-tax,

In your case,

let's say your after tax income is $300K.  Your asset is 1 mil, let's say student has no income or asset. 

your EFC = 300K * 47% + 1000K * 5.64 =  134K + 56K = 190K. 

If you have three kids, you have COA of 50K x 3 = 150K. 

You will have no financial aid. 

                

简单明了，学习了，谢谢柠檬

这个收入肯定没有了，不要浪费时间填表了，那个表非常麻烦。

太谢谢了，终于整明白了。要把你此帖加入书签！

净资产一米就要付5万多，还没算收入呢。不值得填吧

两个孩子明年都在大学一年就16-17万的COA，算算才清楚。确实拿不到了。

谢谢，按照柠檬算法，确实拿不到了，不费这个劲了

自己算一下拿不到不要填，不填孩子录取的机会可能还大一点

没有FA是不是就不用填了？