Is it possible to negotiate financial aid even in Early Decision?

[BelknapPoint]

CSS profile schools considers the other assets that may be available to pay college costs and may reduce your financial aid such that you are paying substantially more than the EFC per your FAFSA. The previous poster is correct in that it is often home equity that ends up affecting aid. Take a look at this website’s calculator and run it for your school using your parents home equity…the extent to which a school expects parent to leverage their home asset to pay tuition truly varies. I am not sure if this calculator is 100% current (Home Equity and Financial Aid Calculator ). Some schools cap home equity, some don’t. Good Luck.

If OP’s school uses home equity as part of its EFC calculation, that will be baked into the school’s NPC.