<p>I agree with others about talking to your parents first. They allowed you to apply ED and did not ask you to file for FA I assume (they would have had to have provided you with information for the forms). And it doesn’t sound like they told you that they can’t afford for you to go to JHU but simply that you are worried about that (and I commend you for your concern on behalf of your parents). You already got good advice and so I am not going to bother to repeat the same stuff. But I want to point out that just because parents can’t pay for college out of pocket from that year’s income or previous savings, doesn’t imply that they can’t afford to send you. You said you worry that they may have to go into debt. In my view, due to college being so expensive, it is reasonable to have to pay for it over time and so even if your parents don’t have the funds on hand in a given year, they may very well be able to pay it over time. We do that and many others do as well. Your parents can get Parent Plus Loans.</p>