Can your parents pay the full cost for you to attend…minus the $5500 Direct Loan?
It’s very possible…depending on the college…that you COULD receive some institutional need based aid.
On another thread…you mention UVA as an OOS student. That school requires the Profile. But you certainly don’t have to complete it…or the fafsa…if your family can pay the FULL cost for you to attend. Can they? On $100,000 income? I doubt it…that would be about half of their take home pay…or more. UVA does pledge to meet full need for all…but you MUST complete the forms.
These forms are NOT a hassle. Sure, they take some time…but you are looking for thousands or tens of thousands of dollars in aid. Sorry, but providing the colleges the necessary info doesn’t sound like a lot of crap to ME.