The Ive League schools have a "need blind admissions" policy. That is, they base the selection only on one's academic/extracurricular achievements. If and when one is admitted, then they look at the family's finances to determine need.
The good news is that these top schools, due to their large endowments, are now giving grants only (not loans) AND increased the income levels of fiancial aid recipents. In short, even families with 6 figure incomes get financial aid (all grants, no loans).
If I were to do it again, I would shoot for the moon and apply to the top tier schools, as well as a bunch of "safety" schools.
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