<p>First of all, from the info given, I would definitely suggest filing the FAFSA. </p>
<p>Please visit the financial aid website for each school. They each have their own priority date for financial aid - file by this date for the best possible package. I think UM requires the Profile, as well. </p>
<p>Being out of state at UM will be a tricky situation, since you are OOS. If you get scholarships, it won’t be so bad. However, if you do not, please understand that you may have to borrow a lot in order to afford it. They most likely will not offer you enough in just grants and loans to bridge the gap between the cost of attendance and your expected family contribution. </p>
<p>You will use 2008 taxes when filing the FAFSA. Profile will ask for 2008 and possibly 2007 (I can’t remember).</p>