<p>What’s up with all these people that say “If you can pay, apply ED.” Brown and Columbia both have very specific Financial Aid policies. If you make under a certain amount, you’ll be paying a certain amount. If you make below $100,000 yearly you should be fine applying ED. It’s just above that where it gets a little tricky. Use the FA calculator and see how much your EFC is, and then if your parents are willing to pay that apply. Simple as that.</p>