<p>Some of the people who feel that UVa financial aid is inadequate live in very high cost metropolitan areas. The aid formula does not take into account cost of living. (Go ahead and try to find a $300,000 house in San Francisco.) Aid also does not take into account private primary and secondary school tuition for siblings. In some big cities, some parents feel that sending their kids to a religious or private school is a necessity and not a luxury.</p>