@cccjbac So if I’m reading this correctly, you won’t be able to contribute anything out of current earnings and savings? Your EFC is obviously higher than $0, and probably much higher, which means there is no school on your D’s list that will be affordable. Your optoons are going to be loans in your name to cover the gap or time to scramble and find a school that is afordable. I would suggest the latter. What state are you in?
Hopefully others will post some affordable schools that are still accepting applications and offering the big scholarships. UNM, UA-H?