in my experience, for U.S. schools, it seems that the financial information is for a couple of things: 1) for international applicants, many of whom are ineligible for a wide variety of loans, it's to prove they can afford to pay. 2) for U.S. applicants, it can figure into financial aid eligibility, which could end up qualifying (or disqualifying) and applicant for certain types of need-based financial aid.
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