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I agree with the OP. In my opinion, students should have some "skin in the game" with regards to paying for their schooling. The Stafford loans are available to all students who submit a FAFSA. And as stated...if there is a financial crisis in the family, they will be able to demonstrate before/after because their FAFSA will already be on file with the school.
Honestly, they have nothing to lose by doing a FAFSA. Their EFC is going to exceed the cost of attendance at this point...but their kid could get that stafford loan in his/her name.
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