公式是這樣的

Financial Aid = cost of attendance (COA) - expected family contribution  (EFC) 

COA is published by every school, it includes tuition + books + food + lodging.  Even tuition is only $20K, the other cost could easily be 30K so let's say your cost of attendance is $50K.  

EFC = parent's income x 47% (roughly for highest level of income) + parent's asset x 5.64% + student income x 50%  + student asset x 20%. 

1. Lower income might have percentages between 22% to 47% for EFC, I am just using the highest for simplicity.  

2. For your EFC calculation, parent's income is after-tax,

In your case,

let's say your after tax income is $300K.  Your asset is 1 mil, let's say student has no income or asset. 

your EFC = 300K * 47% + 1000K * 5.64 =  134K + 56K = 190K. 

If you have three kids, you have COA of 50K x 3 = 150K. 

You will have no financial aid.