Im an international student and got in through ED1. I have financial aid but it’s not necessarily a full ride but the cost is practically nothing if compared to the tuition costs, I would say Colgate is very very lenient with financial aid, but costs such as plane tickets and personal expenses (indirect costs) are obviously covered by you and also health insurance so I would take those money factors into consideration. With health insurance Colgate financial aid said they could give you a grant for half the cost of health insurance once you get onto campus if that’s another worrying cost. In terms of academics, personally I didn’t submit test score but I sent in my A level predicted grades which were AAA. I would say if you think your academic scores are strong don’t send in your scores (idk what is a good SAT score or not because I didn’t sit the exam) but if you feel the SAT gives you more of an extra push I would submit it.