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I come from a middle-class family, and I am currently looking into applying for scholarships. Many of them say that financial need is considered or required. Should I bother applying to these? My annual household income is about $100,000-120,000, and I was accepted ED to an institution that has "covered 100% of my financial need" through grants and work study, so I feel like I don't have a shot at these scholarships. Am I right?