<p>Hilldweller, what sort of schools is this high schooler going to be seeking? At the $70K income level, it is doubtful the student would qualify for PELL. Does the state have any low income program that gives grants and would they make the cut off? Because otherwise, as I mentioned above, there really isn’t much more than loan subsidies on $3500 of Staffords (something that may be endangered the way things are going politically). The rest comes from the colleges. Where it would make the most difference is with the colleges that are selective as they tend to be the ones that have the funding to meet full need for students. We are not talking about very many state Universities when we are looking for schools that meet full need, but the highly selective privates that are have a much higher sticker price.</p>