I would contact the financial aid offices of both schools, give them all the info you can (your parents taxes from last year etc.) and ask them to draw up a sample package for you based on the best numbers you have. If you can live with the numbers, go for that school. Colgate might not give scholarships, but they are probably very generous with grant money, which is basically the same thing to your pocketbook (year to year, but if your numbers don’t change year to year this should be steady).