[nitrogen]

it is expected to be all parents money or loans

It's really problematic for large families, where schools expect parents of six kids to pay tuition as if they only had one kid.

[monocasa]

Or my friends who were twins, but all of the algorithms were setup as if they wouldn't be going to college concurrently for some reason.

[chrisseaton]

Or I wonder what happens when you have parents who just decline to pay for you.

[monocasa]

I had parents that not only refused to pay, but also refused to fill out the FAFSA forms. At the time even being an emancipated minor wasn't enough to not look at your parents for non private loans or grants.

I only got private loans and dropped out after one year. I couldn't make the numbers work beyond that.