She's a smart girl (obviously!) but one factor she may want to include in her decision is cost of living. Entertainment, food, personal items, and so on could possibly be much higher in the vicinity of Barnard than Ann Arbor, as well as the cost of travel. She also may be able to move off campus in Ann Arbor, which could be a lot harder in New York. I have no idea on the costs of Providence, but I bet Munchkin does.
At least all three of those schools make having a car a non-factor since there is barely anywhere to park and if there is it is super expensive. if she doesn't have a bicycle it may be worth looking into for each campus as she can definitely ride around campus and save public transportation for off campus jaunts.
Since her father is still unemployed and the situation with your house value has changed over time, it may not be worth your time to go over the information that was used to determine your EFC, especially since you are in college and have another kid headed towards college then will have two attending at once.
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