I recently filled out my Free Application for Federal Student Aid online. A couple of days later, my Student Aid Report indicated my "expected family contribution" is more than $19,000! Now, I don't have $19,000 sitting around the house. I don't make a lot of money (my wife came into some money last year, we spent it buying a car we were leasing), and my SAR said I won't be getting a Federal Pell Grant, although "it's up to the school what kind of aid I might be eligible to receive". In short, I don't expect to get any aid with an expected family contribution of $19,000. I had planned on taking either pre-pharmacy or marketing at the local community college. I can't afford to pay out of pocket, and I'd rather not take out a private, unsubsidized loan. I could try for some scholarships, but that's a big "if". I'm really stuck. I guess I have a couple of options: A. Take some CLEP and DANTES tests until next year, in the hope my FAFSA situation will be more favorable to me. At this point, I can't even afford one of the Big 3, since they ask for tuition up front. B. I could explore a DETC-accredited school. They are cheaper, and many offer payment plans which would be affordable to me. Yes, I know about the limitations of DETC-accredited degrees, but there are some RA schools where I could transfer later when my financial picture improves. If anybody knows of any other options, please let me know.