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I wouldn't assume you make too much money for financial aid. Everyone should file the FAFSA and see. Financial aid also includes student loans not just grants. There are rules on credits with student loans as well.
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Fin Aid is great for undergrad, when you to grad level, you'll be provided with lesser and lesser options for funding higher education... Decide how you want to go about the grad studies, focus on your undergrad for now.
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