That is a wrong way to go about it too

the more you save, the more you have to pay. Everything under your child's name is counted 100% and everything you have is counted as 5% (I think).

If you could pay 100% of COA - ~$55,000/year, yes, do save. Otherwise, try to have 0 on your book and get into Harvard for free.

We are right in the middle, not good enough to get into Harvard and have some but not enough money.

I want to cry.