<p>Our financial situation is similar…combined income right around 70K. But, my daughter was the only one in college; one other child at home. Very little home equity. No other assets. Daughter is at state university (in New England). She received pretty good f/a including a small Pell and SEOG. She also received some state need-based grants. The rest was work-study and Federal loans. She did not do the work study as she is a full-time DI athlete and school is difficult already for her. We took a PLUS loan because of this. If she had been able to do work-study, we would only have had to come up with an additional 7K per year (was 5K with work study). So depending on your mom’s assets, etc. I think you do stand to get some $$ with a a 70K income if there aren’t really any assets.
Not sure if the SAT is out of 1600 or 2400, but if it’s out of 1600, you could look at Holy Cross. They meet 100% of need and I don’t think they do it with private loans. Could be a reach, not sure what kind of courses you took.</p>