So…your FAFSA EFC is $12,000? Is that right?
Have you received a financial aid package from any college…yet? If not, you need to wait and see what the college financial aid is…because your FAFSA EFC is the minimum you will be expected to pay.
OR is the $12,000 number the net cost a net price calculator is giving you? If that is the case, what aid does that NPC say you will possibly get.
Regardless…until you have a financial aid award in hand…you don’t have a clear number of your costs.
What CAN your parents afford to pay annually?
Also…if you have three older kids…this is not your first rodeo. How are you paying for the BU and Dartmouth kids…and how did you pay for the kid who is now in grad school?