I shouldnt have said hate. I know how amazing McGill is and I love certain aspects of it there are just other aspects that I've learned of (after applying) that would be deal breakers for me in any other situation.
I'm calling Colgate tomorrow to find out if they can give me any financial aid at all. A gap year is not an option for me :/ My application list was very strong I simply don't qualify for any money.
Thank you for your kind advice though