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Spend as much time as you can reading the posts in this forum. You have some big misunderstandings about FA. With a family income of $85K you will be eligible for (probably) unsubsidized Stafford Loans. That’s $5.5K as a freshman. Some very select schools will meet your need (which will be based on the $85K income AND family assets). You need to fill out a FAFSA forecaster to see how much your EFC will be. Then look at your stats to see what kind of schools you can target.</p>