If they change the rules, I’ll adjust my plans. Until they change them… I’ll keep saving in 529’s and hoping for the best.

If they look at home equity, then I can’t do anything about that.

I know the rule used to be that they considered 20% of the parents assets as available – but 100% of the kids assets. So a UGMA puts it in the 100% bucket since it’s owned by the kid.

I can only save/plan based on the rules as they exist. I haven’t figured out how to predict the future.