OP I know this is a hard discussion to have with your parents. I commend you for taking as reasonable an approach as you are taking, figuring out safeties, etc. You do seem to have a good handle on how it works (need-based versus merit, for example, and the fact that your siblings will probably not be included in household size.) But you mention that they are “cagey.” It might be worth it to be sure you are not far off track. Can you mention to your parents, “Mom, Dad, I am looking at financial aid for schools. I think our income is about $75,000, right?” And then, “Is there anything else I should know before I do net price calc’s?”