<prompt> Human: I am 19 and this sub has inspired me to start saving so I can be in a good position once I graduate college. Currently I receive maximum amount of financial aid which includes work-study. I want to save the work-study money and any summer job money I get but I heard FASFA will be taking 20 of everything I save. Ultimately, I am willing to pay if I have to but I am wondering if there is anything I can do to save as much as possible.  <response>: takes? No.The federal student aid formula considers 20 of a students assets to be available to pay for college costs. 