<p>Yes it would, all debt is factored into how much your family can pay - if your mother has a lot of debt and is still paying these loans off, then it’d be taken into account. car loans, mortgages, etc are also factored in. The CSS/Profile actually even includes your medical expenses or whether you’ve got a new car (and its brand). Also, money saved for retirement is not counted as assets to be used for your education.</p>