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I would hope that your dad will have some retirement income as well (to add to your mom's earnings). Apply for aid and see what happens. Nothing ventured...nothing gained. Have you had a candid conversation with your parents yet about college costs? If not, you should try to do so. They may have a plan for paying for a portion of your college expenses that you don't know about. Or they may not. It would be good to know their financial plan for college...if there is one.
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