just to clarify, we will not likely qualify for any needed basis financial aid based on EFC calculated as compared COA. What I am trying here is that: maybe we are lucky and school will give some discount (even a small amount) if we file the forms. We didn’t get anything for first year. Well, we didn’t even file any forms. so we never know if school would give us some discount.
not sure if anyone has experience like that (even you have high EFC, you get some discount from school just because you filed the forms)