Help me understand how Lower income but Frugal Savers are being penalized by NEW College formula...

Well, hopefully when the school pkgs his FA, they will add in some 'extra merit" like they did with S2. I think you mentioned S3 has better stats.

I would suggest that S3 retake the SAT and ACT in hopes of better scores (practicing those weak sections)…better scores could mean a few thousand more in merit.

As for your concerns about jobs for college grads, much can depend on major and career goals. And, even if a College Grad has to start at a lower rate, if the job required a degree, then likely there is room to move up. Many companies won’t even promote those w/o degrees. That’s why you often see adults w/o degrees scrambling to finish degrees thru night school/online so that they are eligible for promotions.