[jamesrcole]

The text you quote doesn’t really answer the question. Does “number of kids” come under their interpretation of “overall financial circumstances”?

[CaliforniaKarl]

Best I can answer is this: https://college.harvard.edu/admissions/why-harvard/affordabi... (the page I referenced) has a link to https://college.harvard.edu/financial-aid/net-price-calculat..., and that page asks for both the size of the family, and the number of children in college. From that, I infer that they take the number of kids into account in some way.