<p>I know there is a certain $ amount of "asset protection" provided in the finaid calculation. In other words, families can have a $ amount in assets that are not tapped for college expenses. Sybbie may know that amount. Still, all colleges make some assumptions about payment. First, there will be an expectation that YOU the student will contribute to your expenses, and that is figured into your finaid award. Also, as pointed out, other assets, particularly home equity, are tapped as schools like JHU. I'm not saying you shouldn't apply to JHU, but do NOT apply ED, and make sure you have some other schools on your list that are financially reachable if that is a significant consideration for your family.</p>