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Why almost everybody should apply for college financial aid

Readers continue to ask questions about paying for college, and we again answer their queries with the help of experts.

Question: I’m told I should fill out financial-aid forms for college, even if I think I don’t qualify. But realistically, how much income is the likely cutoff?

There is no firm cutoff, but unless you can pay the full tuition cost out of pocket for every child you have in college, you ought to file the federal financial-aid form known as Fafsa, says education-savings expert Mark Kantrowitz, publisher of Cappex.com.

Except for the wealthiest families, most college-goers will qualify for some kind of aid, especially if a family has more than one child in college, because of the way the formulas are calculated, Kantrowitz says.

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