<p>fresnomom--- I believe that the simplified needs test is only applicable to fafsa schools -- and i think that the OP will definitely qualify for significant aid at those schools.</p>
<p>JHU, however, uses the profile -- and the simplified needs test does not apply.</p>
<p>The issue if not whether the original poster will recieve any aid -- I think there is no question that she qualifies for aid. But with few assets -- and those earmarked for retirement, and such a low income, even an EFC of $6000 may be too much. this is why it is important to talk about this an plan it out now!</p>