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Per the FAFSA formulas, 20% of a student's assets are counted in the Expected Family Contribution.

12% of the parents' 'Discretionary Net Worth' is counted. This incudes cash, savings, investments outside retirement accounts, and the 'Adjusted Net Worth' of a business or farm. A portion of the parents' assets are excluded from the EFC calculation, at an amount depending on the age of the older parent.
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