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Mistake #6: Not understanding the difference between “included assets” and “un-included assets” for purposes of filling out financial aid forms.

Reality: Certain assets are counted much more heavily in the financial aid formulas than others. For example, savings accounts, CD’s, stocks and bonds are all included and asked about on the Federal Financial Aid form. However, it does not ask about the value of annuities or cash-value life insurance anywhere on that same form.

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