<p>If you want to apply ED, you need to discuss it with both your parents – including the documentation you will need from them for financial aid. Also, I have the impression that your mom has very limited income … but if your dad makes more money, your financial aid will be calculated with “his” EFC added in. So lets say with your dad’s income, Barnard expects you to pay $7,000. (that’s the amount you are left with after the loans). Obviously your mom doesn’t have that money – will your dad come through for you? </p>
<p>I just made up that number – you can get a better idea of what Barnard will look for from your dad by running his numbers through a FAFSA calculator – but the point is, if your dad’s in the picture, Barnard will expect him to contribute.</p>
<p>There are other colleges that won’t. So you may find that between Pell grants or merit aid that you might be offered better aid at different colleges. </p>
<p>If you are still intent on applying ED, I’d suggest that you try to meet with someone from the financial aid office BEFORE you apply to go over your financial situation. They may be able to give you a rough idea of the sort of aid you would get.</p>