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[quote=Anonymous]I'm a single parent (widowed). Oldest just graduated college, and we received substantial aid for her final year at in-state VA school due to our decreased finances as a result of DH's passing. Youngest is finishing up junior year of HS, so we're starting to look at colleges.

I plugged in our info to the net price calculators at 3 schools -- Boston College, Holy Cross, and Trinity. BC and HC have us paying full freight!! I do have a lot of equity in my house, but my mortgage payment takes up most of my paycheck. Retirement funds are healthy-ish, but certainly not extravagant, and I'm going to need every last dollar probably. We get by with Social Security (which will stop before younger DC goes to college), and dipping into the cash reserves from DH's life insurance proceeds.

Trinity's NPC had us paying about what we paid in-state for older DC before her final year -- probably doable, but it will deplete both the 529 and the remaining life insurance cash reserves.

I'm really struggling here, and I stupidly thought the one benefit to DH's passing was that younger DC would get FA in college. The NPCs don't ask what our monthly take home and expenses are, so I'm hoping that the schools' actual FA assessments will be different.

Anyone BTDT and received decent FA offers despite the NPC's unrealistic expectations?[/quote]

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