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I think this is correct by plaid_pants
One of my nieces got into a stretch school for her academic credentials, but her zip code would certainly imply the parents could pay full price and not be eligible for aid.
I also feel that since I already had a guaranteed 4 year NROTC tuition scholarship before the acceptance letters went out, that tipped the scale in my favor. Notre Dame knew I would be paying full rate. That seems like an easy tie breaker for the admissions department.