<p>I have to agree with ClassicRockerDad.</p>
<p>While it is likely you can defer your admission to UR for a year, it’s highly unlikely that you will be able to find sufficient outside scholarships to make UR doable for you in the next year. (Many, many scholarships require the student immediately attend college in order to receive them. Also most outside scholarships are for small amounts–typically a few thousand $-- provide only 1 year of assistance so you’re right back where you started after your freshman year.)</p>
<p>And unless there are some serious errors in your CSS submissions, you’re going to find that your FA pkg for next year won’t be substantially different than this years.</p>
<p>One question: does your family own a small business by any chance? Small business owners are treated very unfavorably by CSS and things that would normally be written off as business deductions (including insurance costs, self-employment/Social Security taxes, retirement contributions and most depreciation expenses) are not allowed by CSS. There has been a lengthy discussion of this in the Financial Aid forum.</p>
<p>UR is great school. My D2 has had a very positive experience there, but NO SCHOOL is worth going into major debt for. (D2 is there on substantial merit aid or she would be attending our state flagship…)</p>
<p>Find a college you can attend whose costs are doable for your family.</p>