@cptofthehouse I don’t think the EFC is split in half with two kids. I’ve read a number of times here that each child’s EFC would be 60% of the total EFC. So, if one child had an EFC of $50k then, with two in college, a family would not be expected to pay $25k each but more like $30k each.
I don’t know how much I believe that either. I can’t remember the exact EFC from FAFSA for S19 but it was maybe around $130k so we didn’t bother with CSS. If it was split in half when D21 goes to school then both kids should have an EFC of $65k. That’s not happening as I’ve run a number of NPCs for schools on D21’s list and we would still be full pay for her for the most expensive ($75,000/year) schools on her list. We will be paying more than $150,000 each year for the two of them in college. This is all according to an EFC we would get on FAFSA and not CSS but I think filing for CSS looks even worse for us since we own our house.
@rickle1 have you run any NPCs for your youngest child with two in college? As mentioned above, that’s probably the best way to get an estimate.