Is Columbia or Brown More Affordable After Financial Aid?

I’m a high school senior choosing between Columbia and Brown, and both schools are expensive on paper. My family’s financial situation means the net price after grants and scholarships will matter more than the published cost. How should I compare their financial aid offers to determine which school is more affordable?
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Neither Columbia nor Brown is automatically more affordable after aid; the meaningful answer is the school with the lower four-year net cost in your actual award letters.

A student whose family qualifies for very high need-based aid may find the two offers fairly close, since both institutions have substantial aid resources.

Compare the offers line by line, beginning with grants and scholarships, not the total aid headline. Subtract only gift aid from each school’s billed charges, then add realistic indirect costs: books, travel home, health insurance if needed, winter clothing, personal expenses, and any cost difference between campus housing and alternatives in later years. Work-study is useful but is not a tuition discount; it represents earnings you would need to make during the year.

Also check whether either package includes federal loans, and what assumptions each college used for your family contribution. Ask each financial-aid office to explain any major difference and, if the other school’s net price is materially lower, submit that competing offer in a respectful reconsideration request. The decision should be based on the amount your family would need to pay or borrow each year multiplied across four years, not just the first-year balance.
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