探讨 Financial Aid

来源: 2019-05-09 11:11:01 [] [旧帖] [给我悄悄话] 本文已被阅读: 次 (803 bytes)
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和大家讨论一下。 This is my understanding about how Expected Family Contribution (EFC) is computed:

(1) 5.6% of assets:  then what are assets?  Non-retirement accounts including checking, savings and investments, HSA, home liquid?

(2) 32% of the part of AGI*  between $50k ~ $100k

(3) 42% of the part of AGI*  above $100k  +  any 401(k)/403(b) contribution "add back"

*AGI is prior-prior year's (for the coming 2019 academic year, you use your 2017 tax return's AGI)

 

Did I miss or mistake anything?  Which schools use the above method to figure out EFC?

I'm not sure about how home liquid/debt is treated.

所有跟帖: 

might not care too much on the calculations; most of top-elite -Dsu5bm- 给 Dsu5bm 发送悄悄话 Dsu5bm 的个人群组 (150 bytes) () 05/09/2019 postreply 11:21:08

You are right: get admitted to an elite school first! -Lily18- 给 Lily18 发送悄悄话 Lily18 的个人群组 (0 bytes) () 05/09/2019 postreply 11:29:25

自主房每个学校有不同公式, 投资房全算, 估价按零网站的标准。 -燕子飞回来_88- 给 燕子飞回来_88 发送悄悄话 燕子飞回来_88 的个人群组 (0 bytes) () 05/09/2019 postreply 11:22:54

What is "零网站"? -Lily18- 给 Lily18 发送悄悄话 Lily18 的个人群组 (0 bytes) () 05/09/2019 postreply 11:27:30

zillow -燕子飞回来_88- 给 燕子飞回来_88 发送悄悄话 燕子飞回来_88 的个人群组 (0 bytes) () 05/09/2019 postreply 11:29:51

I don't know how liquid/debt is treated in FA formula -Lily18- 给 Lily18 发送悄悄话 Lily18 的个人群组 (0 bytes) () 05/09/2019 postreply 12:01:45

应该用MAGI,就是把pretax retirement contribution 加回去 -study169- 给 study169 发送悄悄话 study169 的个人群组 (0 bytes) () 05/09/2019 postreply 11:30:16

I did include retirement contribution "add back" -Lily18- 给 Lily18 发送悄悄话 Lily18 的个人群组 (0 bytes) () 05/09/2019 postreply 12:00:12

這是FAFSA的算法 -violinpiano- 给 violinpiano 发送悄悄话 violinpiano 的个人群组 (244 bytes) () 05/09/2019 postreply 12:13:56

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