When you apply for financial aid as a high school senior (for freshman year in college), most students are obviously still dependent on their parents, and so they use their combined household income when applying. But what happens when you reapply sophomore, junior, and senior year? What could prevent a student from applying as an independent individual (without their parents' income), receiving a much better financial aid package (since most college students are making very little on their own), and still receive help for paying off loans from their parents?