<p>I also think if the “dramatic change in circumstances” is a second child entering BS, then you apply for aid for the second child. But again, I suggest that it is not that easy to qualify for FA if you are making upwards of $200K. </p>
<p>Complete the PFS and see. Even if your plan is to apply for FA for sophomore year, there is no guarantee you will qualify even if the school is willing to consider your situation.</p>
<p>It has been our experience that the bar is very high and that the “FA calculators” on some school websites are extremely misleading.</p>