In fact, we are retiring when Youngest graduates high school and heads off to college. Most of our funds will be in Roth IRAs, and our income will go quite low. It will be interesting to see how much "aid" we get in loans when we file FAFSA at that point, or if they actually award any other breaks.I hope you post how this turns out when the time comes. I know that when I was out of work for an entire year and we effectively had no income coming into this house beyond unemployment, my kids still did not get anything in terms of financial aid except the Stafford (?) loans to which all students are entitled. It was at that point that I stopped doing the FAFSA altogether.
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