Program marketing quotes a single-applicant figure. Almost nobody applies as a single applicant.
Dependent children. Age ceilings vary and several programs require proof of full financial dependency and full-time education above eighteen. A child who turns nineteen mid-process can fall out of the application.
Parents and grandparents. Inclusion is common but priced per person, often with a minimum age and a dependency test. This is usually the largest single swing in a family's total.
Siblings. Only a handful of programs allow them, and generally only unmarried, childless siblings under a stated age.
Run the family calculation before you shortlist. On some files, the second-cheapest program for one applicant is the cheapest for a family of five.
