<p>MomfromPA:</p>
<p>The gov’t does not expect you to have $28k left over at the end of the year. They expect you to pay some out of income, some from the child’s earnings, some from college savings, and some from loans. </p>
<p>If you have saved nothing for college then your choices are to either take out more loans (bad idea), go to a cheaper school, or have your D take a gap year and work to save $. </p>
<p>Just because you were not able save (for whatever reason) aid will not fix that. That would not be fair to those who have saved. </p>
<p>Best of luck!</p>