FASFA and SALLIEMAE is were we went for our help and we live in Florida so I don't know if that is the reason our age limit is less that yours in a child being separated from ones parents.
And please note that my oldest son met a few of their requirements -
1. Been in the Military - Navy Man
2. Passed the age of 21 and lives in his own place
3. Has a child - my first granddaughter "Kyire Yui" / 10 mths old
* * * * *
Only having to paying $20k a year is a good price -