<p>It’s been remarked that those of us who qualify for no aid according to fsfa numbers should be able to repay loans since those who qualify for some aid can repay loans.
I live in a college town where those who have pensions and health care supplements provided for them and their spouses until they die are in a very different position for retirement than those of us with 401ks who must fund it almost entirely ourselves. Those of us who had children late have fewer years to work and repay these loans and allow for our investments to recover before retireing. I didn’t fill out fsfa so I’m fairly well off, (or was) but I must consider that my husband and I have five working years left,(mandatory) before I consider loans for the most expensive schools. I feel I owe it to my daughter to be independent financially when she has her own career and family. I would also like to have resources always available for her emergency needs. So all this may require some sacrifice on her part, we can’t always have our dreams, even dream schools.</p>