<p>Your EFC will not change based on the school, only based on changes in your family’s financial situation. Most colleges will expect that you’re going to meet it through savings/loans/jobs or some other means. I don’t know what Profile would come up with for EFC, you might be able to estimate that as well and see if you should stick with FAFSA-only schools. If your state is offering alot in scholarship money, it might be tough to replace elsewhere. But that doesn’t mean it’s impossible! I’d say apply to a variety of schools you like, including your in-state “financial safeties” and compare the offers you get. It may mean doing 8-10 apps but will hopefully yield a school that you really like and can afford to attend.</p>
<p>Since alot of colleges “gap”, be sure to look at the schools that guarantee 100% need met (yes, some of that will be through loans) and schools with a high average percentage (over 90%) of need met. See how much of their typical need met is through scholarships/grants. Look at lesser known schools - the “best values” lists contain some hidden gems -which have the program(s) you’re interested in and where your stats put you in the highest percentile. You can find alot of this info on collegeboard.com. My D’s stats are similar and we’ve seen quite a few colleges with decent merit scholarships at this level. You could also retake the SAT in November and see if you can score a bit higher on CR+math to reach the next category in merit aid!</p>
<p>If you’re concerned about travel costs, check out airfare based on this year’s school calendar at a site like Expedia - it’ll give you an idea of what to expect, and if you and the potential school are both near major airports, it may not be as bad as you think.</p>
<p>Finally, address the financial issues at home! I’m not judging them, but two working people with a $75K AGI and one kid who is employable should be able to find some means to start saving NOW! It may take some lifestyle modifications, but we all spend money on things we don’t need - and you need an education! Encourage one or both of them to read up on financial aid so they’ll have a better idea of what’s available and can help you. I know this is a busy time for you but you should be thinking about getting a job this year - maybe Christmastime or a bit later - and saving as much as you can. It will add up quickly and you’ll thank yourself next year! If your parents will at least match your savings the $11K will look alot more manageable! Plus, work experience benefits students in a whole host of non-financial ways. And don’t discount local scholarships - check with your guidance or career office often and apply for as many as possible! Outside scholarships will often be counted toward meeting your EFC, but check with your colleges to make sure! Good luck!</p>