Financial aid administrators, educators and public policy advocates often talk about middle, upper and lower income families, but strangely enough there is no official definition of these categories. Even the U.S. Census Bureau doesn’t have an official definition of middle income, although they tend to use the middle quintile, which is families with annual incomes between about $40,000 and $65,000. In some cases they’ve expanded it to include the fourth quintile, yielding a range of $40,000 to $95,000. Sometimes the range includes the second, middle and fourth quintiles, yielding an income band of $25,000 to $99,000. A lot depends on who is doing the asking and what point they are trying to make.