but it will be interesting to see how our choosing to no longer work impacts our expected contribution. My experience was that it did not affect our EFC at all. I was out of work for 51 weeks, and so there was very little income coming into our house during that time. I figured that the kids would certainly get some financial aid in that situation, but I was mistaken. They got the same that they had gotten in the years that I worked, and that was just the minimum loans that they are entitled to. That's because they do look at your assets as well as your income. That was my experience, and maybe yours will be different, but at least you can use this as one data point.