@Bart_Nathan i asked these questions upstream, and they really could provide everyone here a context to give you better answers. Any chance you can answer them? Or if not, just say you don’t want to or can’t answer.
I don’t think we really have enough information.
- Does this family have any college savings for the three not yet in college kids?
- Remember that the split EFC per FAFSA is going away. No one knows what Profile schools will do (and most schools that meet full need use the profile).
- Look at what Blossom wrote. Your financial plan should be your financial plan…and not with the possibility that maybe your family contribution will be lower…because that just might not work.
- How secure is your retirement income? IOW, what is your budget for college costs for all three of your kids with your anticipated retirement income (and savings).
- Stats…what are they for these three kids? SAT or ACT scores? GPA as of end of junior year? You likely don’t have this info for all three kids yet…so hard to even guess where admissions or merit aid are highly possible.