<prompt> Human: Quick summary: AGI will be 200k this year. 2 kids; wife is a SAHM. Have my Assoc. Degree, transferring to a school for a Bachelor program that costs roughly 16k year for 2.5 years. Employer will cover 5kyr of that.I suppose it seems silly to check for Financial Aid for the rest, but I want to make sure I am reviewing all options that may be out there before I throw down the other 11kyr myself.Thanks.Assistant: Without seeing your budget, it seems you make enough to comfortably cover the costs of your schooling without needing to adjust your life style in a significant wayits only 5 of your income were talking about here. The loan seems like taking on unnecessary debt which comes with higher interests rates. That said, you can get direct unsubsidized loans of around 10k a yearmore with each school year. I dont believe they even consider your income when giving these out.Human: Thanks. Not so much looking for a loan, but for any potential aid or scholarships that might be out there. I assumed scholarships were out since my GPA was just under 3 for the 2 year degree.Obviously my EFC is too high for traditional financial aid, but I didnt know if there was anything out there I might not have considered.  <response>: Oh, youre almost certainly not going to get any aid. Your income is just too much. Scholarships work different though. You never know if youll get a scholarship until they tell you yes or no. 