From 2007-2011 I have acquired 94,000 dollars in student loans, mostly due to my parents high income on the fasfa. However, next year I'm pursuing a 1 year MBA which costs $58,000. Since I will be classified as independent, my only income for last year is $1,200. My school told me that with my grades, if I have unmet "need" they will provide need based aid. So does that essentially mean my MBA will cost 58k- gov loans, and the rest will be covered by the school, and my EFC will be close to zero?