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[quote=Anonymous][quote=Anonymous]"People who are neither full-pay nor qualify for need-based aid (and therefore don't file the FAFSA), and need merit aid to attend, should NOT apply ED because if the school gives no merit aid but accepts, it is assumed as part of the binding decision that the family will pay in full."

First, GUESSING you are in the donut hole and not filing the FAFSA is such a bad idea it is hard to imagine.

Second, this is NOT true.  No school would ever presume to tell a student (family) how much they can or can not afford.  The amount a family can afford can change for all sorts of reasons.  Hospitalization, losing a job, grandparent expenses, forest fire, swing in the stock market or NEW fear of future expenses.  I think that even getting merit aid from your in-state school qualifies.

[b]Almost all EDs let you apply to your state school, how could they possibly say you must go here and pay $!!!!!! rather than take a full ride to your state school?  [/b]

It is true that if you don't communicate with the ED school about your financial concerns, their process will most likely send the acceptance and it's restrictions to your HS college councilor and that will likely limit future applications.

It is also true that you aren't going to be able to play school #1 off of school #2 for more merit aid.[/quote]

clueless [/quote]

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