My comments:

1: 你们家收入１６万。２口子买足401K. So the left over is about 13万

In the EFC formula, all income, including the part put into retirement accounts will be counted.

2: 你们在你女儿９，１０年级的时候，买了个大房子。２０％down payment. 所以学校算财产时，在你房子上算不出啥钱。

From the information he put here before, the house price in his area should not drop dramatically. should be with 10-15%.

3: Before孩子１０年级，你们在中国投资，买了房子，中国的资财，这里US check不到。

It is illegal not to report.

4: b/c of 3, 你们银行的存款，没有上５万。按照计算，减去４万多，你们能给孩子上学的钱，几乎没有多少。

This might be true. However, with 160K income, no hope for big need-based financial aid, unless there are some special situations.

5: 你们在.com的时候，炒股票输过钱，现在还可以claim lose

This is in the AGI. 3K every year?

6: 你们还给双方父母办了移民。所以还可以说，要养父母。学校一看，你们２口子负担重。

This is a good reason to bargain with college, though I have no idea how much he can get. Also there are some other special situations, such as personal injuries, disease.... parents can bargain with colleges. Whether the college takes it or not, nobody knows.


7: 你们在孩子１０年级的时候，换了大奔等高级车２辆。

CCS profile does ask for cars' value, and informations about car brand, year...

8: 你的另一个孩子，可能也快上大学了。一家负担２个上大学，比较艰难。

It should count only when both kids are in college. His son is close to college, though.


9: 你是快５张的人了。父母岁数大，学校不大会惦记着你401K的钱。

In most cases, money in retirment account does not count unless he has a huge number. Yes, parents have to report the balance from retirment accounts.

As far as I know, most colleges do not cont cash balance in UL/VUL account. Some rich people do take advantage of this.

I do believe his daughter is outstanding. Otherwise, it is difficult to bargain with colleges.