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Can the family buy a house with $11,000 less money? If so. Just pay the additional family contribution
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that’s an option…
However, the family may just be naive about FA. They seem to just be exploring options now, and may not understand that FAFSA only schools don’t meet need. They are beyond Pell Grants, and at many schools, that’s the only “need based cash” awarded.
And who knows what a CSS school would do.