10/04/2026
The same $10,000 hits the FAFSA three different ways depending on whose name is on it.
In the student's savings account, it adds $2,000 to the Student Aid Index at the 20% rate. Moved into a parent-owned 529, it adds at most $564. Held in a grandparent's 529, it doesn't appear on the form at all.
The card lists what else counts and what stays off, including your home and retirement accounts. Send it to a parent who has the form open this week.
https://thecollegeinvestor.com/58908/how-do-you-calculate-current-net-worth-of-assets-for-fafsa/