@dbandmom- Thank you! It will be fine. We know things happen for a reason. He was actually happy and wants the time to practice and grow. He went in fighting for more money and showing how much he wanted it. However, in the end, he also did not want that much debt so early on. On paper, our EFC looks great but we are not ready to dig deep into mortgage and retirement to cover college nor take huge Parent Plus Loans. He has great mentors who shared their concern about debt so he is taking their advice as well as ours. Like his mentors say. It is about the music and what you put into it, not the school.