I agree with profdad2021 analysis.
Brown will continue to calculate what it feels your family can pay. If it feels you can pay $20,000/year, it will still expect you to pay that – and the $40,000+ difference will be covered with grants/scholarships/work study – not loans.
But if your family can’t afford to pay that $20,000/year, then your family has the option of borrowing that amount. Under the old scenario, you would borrow $20,000 + $5,000. Under this new scenario. you wouldn’t be borrowing the $5000.