Disadvantage of kid #1

NewEnglandMother
Fri, 20 Apr 2012 15:04:22 +0000

I am in a similar situation. D1 is a junior in college at a meet full need/no loan school, D2 will be a freshman in the fall at an OOS does NOT meet need. I expect that D1’s school will provide a larger package due to D2’s attendance in college and my FAFSA EFC being split. Both schools use the CSS Profile.

I would suggest you run the NPC for the school with each scenario - that is a place to start. My D1’s school’s NPC has proven to be accurate over the last 3 years.

D1’s school always considered D2’s private HS tuition and now I expect they will consider D2’s college attendance as well. In my case it will not be a huge difference since there were always 2 tuitions that were considered in the FA formula (College & HS now College & College).

I did grill D2’s FA Office about what happens when D! graduates - it will be ugly in my case since D2’s school does not meet need and as my need goes down (EFC will double when D1 graduates) they meet a smaller percentage of remaining need. But I am fully aware of this going in so it is fair.

Lastly D1 may well attend grad or law school - this will not at all be considered for D2. Of course law school will want me to be considered on the FA apps! I think D1 will make out better all around due to there always being a “second” child with tuition being considered and D2 only had older sibling tuition considered for HS and 1 year of college.

Good luck.