<p>@dukedad-- I’m not saying you’re wrong, but I believe Duke uses a number more than AGI. My family’s AGI is between 60-65k, and the loan amount I was offered is given to families making 70-85k. This could either be a result of them adding back in 401k contributions or schedule C deductions, but either way, it’s entirely possible that OP’s income for Duke is >200k.</p>