<p>Jonathan,</p>
<p>I haven't followed your entire story (you are a prolific poster), but it sounds like you have the potential for getting a good education somewhere. You just have to get it sorted out.</p>
<p>Geographically speaking, it sounds like your gramdma and parents live quite a bit of distance apart (grandma is a Canadian, eh?). And from the posts here it sounds like your parents do not live together (separate income numbers).</p>
<p>And it sounds like there is something that is lacking in your current educational opportunities (i.e. you think that you cannot make your college/post collegiate goals without a different school). Please describe.</p>
<p>I ask this because you need to do a bit of selling within your family to make your educational goals a reality. You seem to have the ambition and courage to do the boarding school thing, but do you have the business case. I'm not talking about how much more money you are going to make here. I'm talking about making you a success in your life which goes beyond dollars and cents.</p>
<p>And a lot of that comes with the growing up part of going away to school. However, this is a thing that has to be sold to your family. The cost thing will take care of itself if everyone is on board with the decision.</p>
<p>With your grandma, it sounds like she likes to be able to see the return on her investment, if you get what I mean. And although it may seem strange, that is a good thing. She must care a lot.</p>
<p>And there are a lot of excellent Canadian prep schools. Although they don't have the cache of Andover/Exeter/SPS/etc here in the US, an international education is often an asset both in terms of making you stand out from the crowd and from a personal basis learning and adapting to a different culture. </p>
<p>What I'm saying is, if you examine what you are trying achieve by
changing your school, you might find that there are alternatives out there that fit that description and are easily sellable to the family.</p>
<p>About your FA questions, no the SSS (the financial aid clearing house for US based prep schools) does not ask about the assets or income of your grandparents. That is the good news.</p>
<p>However, with $120K in income between your parents, don't expect a whole lot of need-based assistance. You will more than likely get some, depending upon a whole host of things (go to SSS's website for more info), but they have a formula that works out most situations.</p>
<p>As to loans for prep education, they don't lend to minors, so your parents would be on the hook for loans. However, your folks should expect that if they want to keep their same standard of living up and send you to prep school, loans will be necessary. It may not sound fair, but that is the reality of it. We will be going there for our daughter who will be starting 9th grade next year, and our financial situation does not sound as good as yours. </p>
<p>Not that you should worry (although you do seem a bit anxious generally by your postings), but if boarding school is a good value to improve your development(over your current situation), I'm sure your family will find a way to do what makes sense.</p>
<p>Just remember, get your priorities in order first, evaluate your alternatives (cost and benefit), and then bring in your family to the matter.</p>