<p>Have your parents plug their numbers into one of the online financial aid calculators to find your family’s Expected Family Contribution. Once you know your EFC, you’ll have a better idea whether Fordham will be affordable. </p>
<p>Your family’s “usual” income is not relevant, although if your parents’ income returns to the $120K level next year, you will likely qualify for little, if any, need-based financial aid at most universities. </p>
<p>U-Md might be your best bet, and it’s not exactly a community college. </p>
<p>What sort of graduate program are you considering? Professional schools generally award little financial aid, but a good PhD program may be fully funded if your credentials are strong enough.</p>