The only thing I’ve been more nervous about than college decisions is financial aid. I was wondering if anyone could share some insight in how to approach it and talk about it. The only thing I’ve really heard is that I, as the student, should be doing the talking so to speak (or perhaps literally… it’s a little early so my mind isn’t all here LOL). General advice would be appreciated. Additionally, there are some extenuated circumstances that I know were listed in such space but may or may not have been considered, such as:
-Debt
-My brother is also in college (although on academic probation so he is at CC instead of a much pricier institution–for now) (I don’t know if this would be a red flag to bring up)
-Unpaid mortgage + very, very high local taxes (I imagine the response to this is “then your family shouldn’t live there,” but I figured I’d list it. We are far from having the biggest and nicest house, but yeah)
-Family income fluctuated from year to year a solid bit. The 2015-2016 income, used for FAFSA, happens to be a “good year” although 2016-2017 was a bit lower.
-My parents are on the older side of things. My mom is in her mid 50s and my dad is still working and will turn 70 next year. (However, retirement is tricky because they work at a business they own)
Also, should negotiations be done on the phone or in person (if the option exists)?
Thank you in advance for any help.