<p>Both Barkowitz and Sybbie are right. It depends upon the school, how they will handle your situation. Do be aware that the $7k EFC does not mean that a school is just going to cover all but the $7k either. Most colleges cannot give aid up to 100% of the difference between costs and EFC, so you may have this issue as well depending upon the schools you are considering. Many of the schools that use PROFILE and other financial aid supplemental forms, and have a good endowment do review these situations, and so it definitely pays to contact each school and see where you stand. I also suggest looking at a guide like USN&WR Ultimate guide and find out what percent of need your schools typically fund, Good luck.</p>