<p>MYOS1634, I really appreciate your comments, and I dont think that they are “moot.” In fact, I dont think that its a bad thing to be “over cautious” especially, like you mentioned, as a first generation American college student. My parents and I have been discussing various aspects of financial aid and other kinds of monetary aid with my high school counselor. Slowly, but steadily, I think we will be able to work out the best financial plan for myself.</p>