Right- the child and the parents don't agree. It's an age-old situation that just about every parent/child relationship experiences.
I really disagree with you on this one Zig. Unfortunately the financial aid system requires the cooperation of the parent if the potential student is under the age of 24. No parental cooperation, no financial aid. The parent does not have to agree to co-sign student loans or anything like that...the parent just has to reveal their financial information as part of the application process. Even for merit scholarships and grants, the FASFA has to include the parent's financial information. The only exception to that is if the "child" is under the custody of someone else, or an emancipating event exists. Emancipating events are marriage, military enlistment, death of the parents, or having a child of ones own.
There are many parents who don't understand that participating in the FASFA application does not obligate them for college expenses. Therefore they refuse to participate. There can be other less understandable reasons why they refuse. So, you could have a student who might actually qualify for a full ride, but cannot obtain it because the parents will not cooperate with the FASFA application. While I really don't agree with OHR's advice on the subject I sympathize with it because I have seen a lot of people who could qualify for full rides...or at least enough assistance that they could work part time, be unable to receive ANY financial aid because their parents refuse to cooperate with the application.
I have known people who have chosen to have a child just to get that emancipation. How sad is that? Some of those who do that would otherwise lose out on merit based financial aid, because the merit event would no longer be available if they had to wait 6 years until they turned 24.