And we have seen scores of kids who had some advisor who misunderstood aid and loans. You raised some flags here, with talk about “average” aid, out of state costs, and "no EFC. " You said you won’t have a contribution but what you have written shows us you will. Now you throw in sports?
Our first advice is always to make your final costs a big part of the decision. I hope this advisor has explained your $ bottom line, how large your post college payments will be after graduation and the other unfortunate truths.