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While my parents are legally divorced, I'm not in contact with one of them.

I've been researching financial aid options at one school, and I understand that in order to qualify for need-based aid, I have to list both parents' financial income....according to their financial aid website, leaving anything out disqualifies you for need-based aid...has anyone else had this situation?

Outside of HYS, the aid is mostly merit-based rather than need-based, so this is rarely a big concern for people. They give you all the loans you could possibly need.