"The Department of Health and Human Services relies heavily on
MAGI (Modified Adjusted Gross Income) to determine eligibility for health insurance subsidies, Medicaid, and CHIP.
MAGI is adjusted gross income (AGI) plus tax-exempt interest, Social Security benefits not included in gross income, and excluded foreign income.
. . . Any foreign income excluded under this section must be added back when calculating MAGI."
"The Department of Education requires all people who want Federal aid to supply their
AGI on the Free Application for Federal Student Aid (FAFSA). This one input determines whether you’re eligible for subsidized loans, grants, and other forms of aid.
Verifying Foreign Income Excluded from U.S. Taxation :
Though deducted for tax purposes, this amount is considered untaxed income for federal student aid purposes. It should be reported on the FAFSA, and you must verify it.
Excluded foreign income can be verified by using IRS Forms 2555 (line 43) or 2555EZ (line 18)."
AGI를 reduce 하는 방안등을 강구하기 위하여 재무사, 재정 전문가들과 상담이 필요로 보이네요.