<p>The reason that Op’s brother did not receive any money is not because NYU determined that the family can afford to pay, but because Op’s brother missed the deadline for submitting application for financial aid. According to OP, NYU is not going to consider him for aid because he missed the deadline.</p>
<p>The challenge with deferring for a year is that Op is not guaranteed to receive enough need based aid to make NYU an affordable option because he did not apply for aid.Other that federal/ state aid (if from NYS) op could be committing to NYU and still not know if it is affordable. Therefore it is not in Op’s brother’s best interest to defer.</p>