Masaisrael.org income threshold $10K per family member, $4-5K grant if attending eligible sem.
Pell grant available, sliding scale upto $4-5K if attending eligible sem. as Touro Israel student, also Skokie Sem possible.
TAP grant available for NYS residents.
The above can potentially bring price down to under $9K for a great year in E.Y. and the student came come back with close to two years of college credit, this actually makes the year in sem. very sensible and a big savings for qualified people.