<prompt> Human: I have about 130k in guardianship in my name from when my father passed away in 2007. I wont be able to access it until I turn 18. My mother only has a part-time job and makes less than 15k annually to support 2 kids. We were always banking on financial aid to help pay for college, but financial aid calculators seem to view the money as a personal asset to be used entirely to pay for college, and thus weigh it heavily against me when determining my EFC. Once this is gone, I will have virtually nothing left to pay for college with. I was wondering if there is anything I can do to help out my situation. Thanks so much in advance! Assistant: Debt is rarely good. Student loan debt is even worse.If you need to, work and go to community college and then go to university afterwards.Human: Thats looking to be the best option financially : it just sucks because I worked my butt off in high school to get top marks and have a higher chance now of being accepted to the universities I wish to attend than if I were to apply as a transfer.  <response>: I hate to be debbie downer but unless youre going to a top 3 school in your degree area, the school you go to for your undergrad very rarely matters. 