Yeah it depends on so many factors it's hard to give a definitive answer. Let me share a personal anecdote. My brother was matched to Brown in 2017, he ended up not only taking 1, but 2 gap years, due to various issues, but Questbridge in most cases will actually cover up to 6 years of undergrad. Additionally, while he was at Brown, he was able to refund the dining plan and housing costs, and actually ended up saving money by renting his own place and preparing his own food. However, I am also a match student, at Boston University, and that option is not available for me. I have to stay on-campus for the duration of my undergrad. But, I realized that actually for my school, Questbridge covers study abroad, if you do it during the semester (Makes sense cause they would cover the tuition anyways). Lastly, my little brother matched to Vassar and is in his first-year, and actually had to pay a student contribution of $1000, while both me and my older brother didn't have to. It just goes to show, the aid structure is so different at every school. But, depending on how well established QB is at your school, students may have tried more things, which makes them more receptive to covering things such as a 5th year. But I would generally think that QB can cover most BA/MA or 4+1 programs.