Just because you have wealthy parents doesn’t mean that you have access to that money. To me it would make more sense to only take into account the amount of money they are putting towards your education.
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because in most cases people’s education is going to be funded by their parents so they assess the parent’s financial ability to pay. there are few cases where there is no contribution from parents (who are financially able to) so its such an outlier that it doesn’t even need to be considered.
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