Before I start, if anyone would like to redirect this to a different forum, please feel free to do so. The reason I'm posting here is because I"m applying to Brown ED, so I need Brown specific answers (although many financial aid policies are similar, I recognize). I scoured the finaid website, but didn't find answers to these. I also did the collegeboard EFC calculator.
-Say I can expect to get around 20k in aid, if I get say, a 10k scholarship, can I spread that out over four years to cover work study/ student contribution, or are all scholarships won senior year of high school used for freshman year/ aid? I heard that any scholarships you get just cut the price of your aid package, so I"m hoping that they can be maximized in order to subsidize student contributions over four years, otherwise, if Brown is already giving me the money, then it seems worthless to apply for big scholarships.
-From the calculators, it looks like when a sibling is in college, the EFC gets cut in half. My brother is two grades behind me, so will this count for both junior and senior year? On collegeboard, it said "students IN college", but logically, if I"m filling out the fafsa and css before I enter college, it seems like siblings also entering college would count too, because that's two checks parents are writing in the fall instead of one. Is this right?
-How nice is the financial aid office?? I have a strange family financial situation (low income, high assets), if the aid package wasn't enough, are they up for negotiating? or would they automatically shut me down? For anyone who's needed aid: have you had a good experience? do you feel like they give you enough?
If anyone has any links too that would be helpful please post them!