Chance me (1350, 4.2W, IN resident) [3.8 unweighted GPA, <$5k from one divorced parent, -1500 SAI]

I think @blossom’s wisdom above about opening up to other schools in Indiana is very wise, and I hope OP will consider it. On a different topic:

As someone who has advised students dealing with similar situations, this can go all sorts of directions and you should be prepared to navigate it. If Parent 2 is “not paying” because they don’t wish to do so, but they do file a CSS, their finances will be considered, unless you have very specific documentation (and maybe not even then). If Parent 2 is out of touch and won’t file a CSS, you can submit to each school a request for a non-custodial parent waiver (here’s an example from Lehigh), and each school will consider this on their own. If Parent 2 doesn’t submit a CSS and you don’t submit anything, the school may not provide any financial aid information. Etc. Maybe you’re on top of this already! I just want to make sure. You have some schools that meet full need on your list, so if you are admitted, I want to make sure that their understanding of your need (largely) matches yours.

Also - I’ve never heard of an account “for in-state schools only.” I might be missing something - but if your grandparents created a 529 in Indiana, for example, you can apply it to any university, not just one in Indiana. This can be confusing.

That’s good to hear, but the scholarship amount doesn’t really matter - what matters is your net price after their calculation of financial aid, whether academic or need-based. None of those three commit to meeting 100% of financial need.

Good luck!

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