<p>Wow-some, that is what is unfair! Without the immigrant twist, we are in a similar situation to Jade. Income recently increased, didn’t save enough to make a dent. Do I wish they looked over the whole body of work for the last 10 years, sure, but they don’t. I can understand why and the OP seems reluctant to accept that this is the system. Bottom line it is tough on almost all families to sacrifice to send kids to college. What fries me is when some people think it’s OK for other families to make the finanacial sacrafice but since mine didn’t I need cash/grants/freebies. No one chooses to be poor. Be mad at your parents or get a job, but don’t wine about a system that does it’s best to accomodate the families that truly need the help.</p>