In 2005 my son graduated from high school and I went to a college planner. He was excellent. He filled out the FAFSA and recommended we put our assets into an annuity to legally hide the money.
We qualified for financial aid (grants and loans) and he went to Fordham.
Just an idea to ease that financial burden.
PS. Don’t listen to the annuity skeptics. They work great. A fixed indexed annuity was the best thing I ever did.