Sibling's Assets The assets of the student's siblings are not assessed under the Federal Methodology (FM). However, the siblings' assets, including assets in a Qualified Tuition Plan (Section 129 Plan), will be assessed under the Institutional Methodology (IM).  These assets are assessed as parental assets at a 5.6% rate. Planning tip:  Parents may want to put some of their assessable assets into QTP under a sibling's name.  A student's sibling's QTP is not assessed under the FM Formula. Planning tip:  If parents had assessable assets, such as CDs, they could contribute the CDs to QTPs for the student's siblings.  The financial aid result would be moving an assessable asset, CDs, to a non-assessable asset, QTPs. Return to Education Startegy