Chance Me (and match): HS Senior, 95 GPA, 10 APs, 2 College Courses, 1510 SAT, <$15k [ME resident, $5k from parents, best NPC $15k, physics]

[Ohno2]

If they have a mortgage, they have an asset (the house). If they have 1-2 cars, they have assets (some schools ask about car valuations on the CSS). Your parents need to run the NPCs again entering fully transparent financial information. Something isn’t adding up here. Perhaps a family friend with experience can help them sit down and rerun the NPCs.