I should note Canadian schools are a little different than U.S schools when it comes to aid etc…
When you fill the financial aid request for most US schools you can actually see what the “service” provider computes as what you can afford.
In Canada, the service provicer only provides a report to the school and you have no way of accessing it. So, you never know to what extent the school has shaved off the amount coming from the independent source.
We have no country club membership, no second home, no luxury cars. Basically, retirement savings and our home with two older kids in univeristy already…not much juice left to squeeze from the lemon.
Also, whereas US schools include many ancillary costs in tuition, this is not the case for many Canadian schools. There are many more hidden and ancillary costs not part of tuition.