@Center The calculator I used from one school’s website said we should expect to pay half so I was really surprised at the PFS that said FP. Then I spoke with a FA officer who said if the cost of private school represents more than 15% of HH income (which for us it does by a long shot), then they expect you to apply for FA. I asked why do they ask about home equity. FAO wavered and said they do consider overall wealth (and I guess your ability to borrow). Bottom line we have a unique circumstance that seemed to render the calculators inaccurate so without better information, applying for FA seemed prudent; not applying felt reckless. Maybe if DD is wait listed at her top choice schools, we’ll get the opportunity to discuss FP? Has that been anyone’s experience – even without these “heads up” phone calls?