<p>I agree with the thinking on here that you need to broaden your college search to include schools where you are likely to receive merit aid or that you can outright afford. I would not assume for a minute that your EFC will be "readjusted" to take into account miscellaneous back debts. It's possible; but more likely not.</p>
<p>By the way, it is the rare exception that people can afford the Ivies, or other very selective schools. You are not alone with that problem.</p>