<p>@coffeehouse, I really appreciate you taking the time to respond. As I said, the need-based is all new to me and I now see what I am dealing with here. It’s slightly depressing to say the least, and it takes a lot to depress me, lol! I bought her the BB and she’s getting a waiver for an SAT test prep course at school, but I really don’t know what kind of scores we are dealing with yet. I did see her PSAT from 10th and it was in the high 40’s in all 3 parts, so that’s around avg. If you were to guess, what kind of scores on the SAT would you think she would be aiming for. Let’s just use Loyola U. of Maryland as an example. This is totally hypothetical! My kids have great scores --it hasn’t been something I’ve had to deal with yet. I see the median range in the Best 373 Colleges, but if there’s some kind of avg. for those getting more FA at LUM, then that would be helpful to know now.</p>