All of this talk of finaid is making me question my most basic assumptions about this whole process. Therefore, I have to ask if the following assumption is correct...I am 24 and married. I filed my FAFSA, disclosing my husband's income and was told me EFC. Certainly, no school will then ask me to get info from my parents, right? That would screw me over mucho as my parents are rather wealthy. However, I can't see what that has to do with me as I am in no way financially connected to them.
If you are married, you are considered independent for federal aid. Schools vary in how much weight they place on parental income for need-based aid from them. I know Duke and I think that columbia still require the information and then consider it when giving need based aid. You will still be able to get the full 18500 from the government (although if your EFC is high the ratio of subsidized to unsubsidized may go down). If the school requires it and you do not give it, I expect that you would not get much need based aid from the school. This won't stop you from qualifying for outside loans.