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College Admissions: Grown & Flown

Jeff Levy answers member questions, including:

• What are the biggest mistakes people make on the FAFSA?
• If we’re pretty sure we won’t qualify for financial aid due to income or assets, when colleges ask on the common app if we plan to file for need-based aid, are we better off staying no — could that potentially give us an edge. I know some schools are need blind, but many aren’t.
• If we think we won't qualify for need based aid, but we are hoping to get merit aid, does that require our filling out the FAFSA?
• I cannot possibly afford what the FAFSA calculator says my EFC is. What are my options?
• Need based aid doesn’t necessarily mean ‘free money’, correct? Students can still be required to take out loan $$ as part of need based aid?
• Should you submit CSS profile if you are borderline? Does it help/hurt the chances of getting into a school??