EFC is more than what my parents can pay?

At first I thought that an EFC of $35,000 was high … given 2 in college and an income of $110,000. Now that I see that your parents own 3 homes in addition to your primary residence… it makes more sense. Be prepared for a higher EFC at the profile schools.

Schools will expect your parents to sell these homes or use equity to help pay for school. They won’t give you extra money so your parents can continue to own 4 homes.

I agree that Bing is a reach, as is Stony Brook.

I don’t agree with your strategy, but you are not my child. I wish you luck.