Some people think that December 31 is the cutoff for assets but you can make changes up until you file your application,
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The more they figure you're desperate to attend, the less likely it is they will improve your package, because they figure you'll go anyway,Kalman Chany
By selling now, you can lock in losses and reduce your child's 2001 tax bill, ... And your college savings will grow faster with the tax treatment in a 529.
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Some parents are afraid to do this because they are afraid the offer will be withdrawn. But at worst, they will just decline to provide extra aid.
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If you paid down credit-card debt that would reduce the net value of your savings.
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Keep in mind, too, that the aid process is a business transaction, ... They're rationing the money out to meet the college's needs and get the kids they want to get.
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