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Our experience:
University of Notre Dame: very generous- we're very grateful (they give only need based)
Whitman College: they figured the EFC a little higher, but after that it was a solid financial aid package (both merit and need)
Willamette University: although nothing to sneer at, the lowest package of the three. A classmate had the same experience with them, a much better offer from MIT. Both families think Willamette is a good solid LAC and that's why we looked at it, but being at the top of their stats compared to other schools didn't translate to $ for us.
So, although we're happy with our results, if I had to do it again, I'd take DVMMOM's advice and cast a bigger net; we took a chance. The formula that Eagle 79 gave is a great place to start, but most people will get some unexpected results.
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