I’m not adding this to incite a zesty debate, just an added perspective. We ran the various calculators and knew that we wouldn’t be eligible for aid. We felt very strongly that we didn’t want that much personal information (identity, income, savings etc). in another system if we could avoid it. Basically, we do as much as we can to minimize the likelihood of identity or information theft. There are so many examples of systems (even well controlled ones) getting hacked. I’d personally be pretty angry if I had to opt out of providing information that I don’t feel needs to be shared, and I don’t think this should be a default arrangement.