Single mom here, chances for financial aid

If you are single, your income and assets will be judged as the ‘family income.’ They don’t give extra points because you are single (in fact, you only have family size of 2), but often schools have a target income and if you are below that income, say $125k, you qualify for the maximum FA (or tuition, or whatever). Those are the schools with the very best FA like Harvard or Stanford. It might work out for you, it might not. Your friends at the IRS don’t think you deserve a break, and you AOTC phases out between $80-90k, so if you make $100k you won’t get a credit.

You are kind of threading the needle with some good things and some not so good. I don’t know if the NY tuition scholarship is for a married couple under $125k or a family (single, HOH) under $125k.