<p>@tomofboston – Read it again more slowly. For the two quarters you are NOT on co-op, you still owe $42k for the year, which is more than your EFC plus loans, etc. Financial aid is by year … or do you think they just say, “well you did two years of school in 3 years, so we will just call it two years.” I doubt it. I think you don’t want to do co-op if you are on financial aid.</p>