While the 10% incentive is interesting, I’m not sure if the 25% for grad school is fair at this point. Both of our kids received pretty good financial aid, but we will eventually end up paying more for our daughter’s college - she came second, prices have gone up, she joined a sorority, etc. I’m not going to give our son $ to make up the difference. We have met his needs in other ways. We’ve always told our kids to throw a wide net, see where they were accepted/received aid, and we would pay up to what in-state tuition/fees/room/board at our flagship state school cost. They were/are both in private colleges/universities. You might want to ask your older daughter’s opinion first before you change the rules. Share with her your financial concerns. She may have an opinion that surprises you. I was wondering if the 10% incentive would be enough - why the 25% for grad school?