You don’t mention a few key variables, notably home equity and non retirement savings. Those could have a big impact. FAFSA is pretty much irrelevant for school based aid if they use the css profile. Run their NPC with your current info and play around with the numbers to see the impact of savings and equity. If the result based on your actual numbers differs a lot from what they’re offering, it’s probably worth a follow up to ask why, and whether the NPC estimate will be more accurate for future years. But as others have said, Fordham doesn’t promise to meet need, and they’ll also be hit pretty hard financially so I’m not sure I’d expect things to get better. You’re fortunate to have SUNY access at a great cost. You might consider how you’ll feel stretching financially if the fall or entire year is online, both of which are quite possible.