from	the	student9s	(and	spouse9s)	net	worth.
Finally,	the	student9s	(and	spouse9s)	net	worth	is	multiplied	by	the	conversion	rate	of	7%	to	get	the	student9s
contribution	from	assets.	If	the	contribution	from	assets	is	negative,	it	is	set	to	zero.
SAI	Calculation	-	Independent	Student	With	Dependen ts	Other	Than	a
Spouse
This	is	the	final	step	in	determining	the	student9s	SAI.	The	student9s	available	income	and	contribution	from	assets	are
added	together	to	determine	the	student9s	adjusted	available	income,	which	can	be	a	negative	number.	The	total
student9s	contribution	from	adjusted	available	income	is	calculated	from	the	amounts	and	rates	in	<Table	C6:	Assessment
from	Adjusted	Available	Income=	in	the	2025-26	Student	Aid	Index	(SAI)	and	Pell	Grant	Eligibility	Guide.	The	rates	in	Table
C6	increase	from	22%	to	47%	as	the	adjusted	available	income	increases.	This	is	based	on	the	principle	that	as	income
increases	beyond	the	amount	needed	to	maintain	a	basic	standard	of	living,	the	portion	used	for	family	maintenance
decreases	and	the	portion	available	for	discretionary	purposes	increases.	Therefore,	a	progressively	larger	amount	of
income	may	be	contributed	toward	postsecondary	educational	costs.	The	number	resulting	from	the	assessment
according	to	Table	C6	is	the	student9s	SAI	and	may	be	negative.
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