想通過買大房子來減少EFC的家庭，看看這個名單

LOL，最好先算算收入貢獻了EFC，如果收入部分貢獻的EFC足夠上學的cost,買大房子也是枉然。。。

20萬以下收入的家庭，還是按我的方針辦：
1。雇主sponsored退休賬戶盡量放滿。
2。有餘錢，盡量放Roth IRA而不是529。
3。照顧好現金流，準備好孩子交學費的時候不存退休賬戶，就能支持孩子的學費。。。
4。別把錢放孩子名下。

https://thecollegesolution.com/will-your-home-equity-hurt-financial-aid-chances/

Schools that Ignore Home Equity

As you’ll see from the list, some PROFILE schools don’t consider home equity at all, which is obviously the best scenario. Institutions in this smallest category include:

• Bard College
• California Institute of Technology
• Cooper Union
• DePauw University
• George Washington University
• Hamilton College
• Harvard University
• Massachusetts Institute of Technology
• Princeton University
• University of Chicago
• University of Virginia
• Ursinus College
• Whitman College

Schools That Limit Home Equity Hit

Other institutions use a home-equity cap that’s tied to the family income so it’s less likely that someone who is house rich, but cash poor will be penalized. The home-equity caps below range from 1% to 4%, which is a huge span.

Here are a few schools in this category:

• Amherst College (1.2x)
• Barnard College (1.2x)
• Bucknell Univesity (2x)
• Cornell University (1.2x)
• Dartmouth College (1.2x)
• Emerson College (3x)
• Haverford College (1.2x)
• Kenyon College (4x)
• Lewis and Clark College (2x)
• Rice University (2x)
• Tufts University (2x)
• University of Rochester (3x)
• Vanderbilt University (2.4x)
• Wake Forest University (2x)
• Washington University, St. Louis (2.2x)

所有跟帖： 

• 還是沒看到Y和S，這倆不大氣 -可能成功的W- ♀ (0 bytes) () 04/19/2023 postreply 07:32:25

• 那個2X 是什麽意思？ -LilyBD- ♀ (0 bytes) () 04/19/2023 postreply 07:35:00

• home equity cap is 2x of family income? -study169- ♂ (0 bytes) () 04/19/2023 postreply 07:41:16

• school如果看home equity的意思是讓學生賣房讀書？ -avw- ♀ (0 bytes) () 04/19/2023 postreply 07:36:38

• 買大房避學費到時候別學費沒省到多少，還要加付大房貸 -yzhl888- ♀ (0 bytes) () 04/19/2023 postreply 07:39:27

• 另外貴房子稅不高嗎？保險不高嗎？多出這些錢情願交稅務局？ -yzhl888- ♀ (0 bytes) () 04/19/2023 postreply 07:40:25

• 不是說了cash付清了嗎。而且也享受了 -可能成功的W- ♀ (0 bytes) () 04/19/2023 postreply 07:41:56

• 這操作都是反向思維，正常人不是娃進大學了降級住宅嗎？哪有升級住宅的？一看學校就看出小九九了 -yzhl888- ♀ (0 bytes) () 04/19/2023 postreply 07:48:23

• 買豪宅享受了，怎麽虧了？ -可能成功的W- ♀ (0 bytes) () 04/19/2023 postreply 07:48:51

• 你先給我200萬刀 -可能成功的W- ♀ (0 bytes) () 04/19/2023 postreply 07:57:46

• 請問第3條是什麽意思？ -roadtrip1- ♀ (574 bytes) () 04/19/2023 postreply 07:41:59

• 3. 也可以：辦個HELOC，不夠借著用，存退休金自己看著辦，這是我在做的。心理承受力不同，農博年紀大些，保守些，穩健些 -成功的兔- ♀ (0 bytes) () 04/19/2023 postreply 08:35:20