@“College dad123” we are in the same situation with all the schools my son got into. Generous FA packages mostly in grants not loans based on the 2 yr overlap at all the top LAC he got into. YES we def. expect the FA package will change his junior and senior yr when oldest not overlapping so def. something to consider when making decisions. Makes sense that would be so as the EPC is based on the total amt they expect the parents able to contribute. So far example if an EPC is 60K but you have 2 kids in college at the same in private school with total cost of 120K than you would qualify for 60K in FA SPLIT between the two schools but when you only have one in school than the EPC would still be 60K but now expected to pay that full 60K at the one school(ie full price).