Updated info on the FA. After discussions with the FA office I realized that our EFC will go up 40% in year 4 because my older son will have graduated from undergrad. Grad school doesn’t count. That bumps the overall cost up significantly, as well as the amount my son would have to borrow. I expected a bump in year 4, but not that much. Not sure whether SFS is worth that bump. Worst case scenario looks like total debt would be $75k unless my son is able to grab a Resident Advisor slot and save some money.