I wouldn’t rule out FA solely based on income. Assets and liabilities matter as much, if not even more, than income. You or your parents need to run a FA calculator to estimate your potential family contribution: https://sssbynais.org/parents. It’s free and you could do it anytime, without having to apply. Applying for FA will put you in a more competitive bracket, so you should use it only if your family truly cannot afford to pay full price.
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