<p>There is cheating in every situation. The college financial aid scene is no different. I can tell you that we are stretching to pay our third child’s private schools costs. We are paying for his a portion of his unsubsidized Stafford, including the interest accruing as the interest is cheaper than that of the PLUS that we can get. We are also borrowing from PLUS as well as paying out of income and some savings. S also has to bite the bullet as he is taking out loans, working and had been working in high school, so has tapped his savings. He will be working hard this summer to make as much as he can to reduce the amount of loans we have to take.</p>