0 EFC & >$30,000 Net Cost!!! UC Irvine Financial Aid

Paying for College
1

<p>So as the title says, I have a 0 EFC yet the financial aid estimator calculator for UC Irvine says I have to pay a net price of $30,000!!!!</p>

<p>I'm and out-of-state student but I really want to go to a UC but after this I think it is nearly impossible!</p>

<p>I read somewhere that UC Irvine meets 88% of financial aid?!?!? Where do they even come up with these numbers?!?</p>

<p>College Board says "88% of financial need met" at UC Irvine....... -__-</p>

<p><a href="https://bigfuture.collegeboard.org/college-university-search/university-of-california-irvine%5B/url%5D"&gt;https://bigfuture.collegeboard.org/college-university-search/university-of-california-irvine&lt;/a&gt;&lt;/p>

<p>Btw I have great scores <a href="2000%20SAT%20and%203.8UW/4.4W%20GPA">b</a>** so will a merit scholarship even possibly cover the $30,00?! Or should I just not even apply...</p>

<p>Here are my results on the net price estimator</p>

<p>Estimated Total Cost of Attendance:</p>

<p>Tuition and Fees $14,046.00
Room and Board+$11,735.00
Books and Supplies+$1,567.00
Other Expenses+$2,313.00
Non-Resident Tuition+$22,878.00
Total Cost of Attendance $52,539.00</p>

<p>Estimated Financial Aid:</p>

<p>Grants$20,261.00 - $21,261.00
Self Help$8,400.00 - $9,400.00(loans, work study)
Family Help$22,378.00 - $23,378.00(loans, out of pocket)
Estimated Net Price$31,278.00 - $32,278.00</p>

<p>Expected Family Contribution:
Student Contribution $0.00
Parent Contribution+$0.00
Expected Family Contribution $0.00</p>

2

<p>You’re OOS. Why should an oos state school fill your huge need with funds from california tax dollars? </p>

<p>Collegeboard says average need met. Not some guarantee for any one student. Nearly all students are low cost instate whose need is largely met. That avg is for attendind students. Those like you who’d get little aid don’t bother to enroll.</p>

<p>OOS students have much higher costs and are expected to pay. Your EFC is meaningless. That’s for small fed aid. </p>

<p>why would a state school bother to charge high OOS costs if they were going to then cover those high costs with need based aid???</p>

<p>You need to find affordable schools. No UC will be affordable.</p>

3

<p>The problem is the only grants that you are going to be eligible for is Pell (max $5645). You won’t be eligible for the other grants because you are not a california resident. </p>

<p>At least you know this now so that you can focus on perhaps looking at schools in your home state, Florida. You would be eligible for bright futures and probably admission in to the honors college, which would be more affordable. You would also have a good chance of getting merit money.</p>

4

<p>There isn’t a school in the country that guarantees to meet the FAFSA EFC. You have to search long and hard to find one that does for you or comes close, and looking at another state’s public schools is not likely to come up with any sponsors. Had you been in-state, there are programs that could bring you closer at a UC, but you are not eligible for any of the California aid. </p>

<p>Wth a zero EFC, you are entitled to the maximum PELL and Direct loans up to what a school costs. Anything else is up to the school itself to give, and there are more kids with need than dollars to dispense.</p>

5

<p>You are OOS for UC Irvine. The CA colleges are not generous with need based aid for OOS students. Most CA need based aid comes in the form of the Calgrant…for instate residents only. CA does NOT meet full need for all accepted students ( and they dont) and certainly not those from OOS.</p>

<p>Hopefully you have a Plan B formulated. UC Irvine is not affordable for you.</p>

6

<p>Re: post above. The Direct loan amount for a college freshman is $5500…not direct loans up to the cost of attendance!</p>

7

<p>OP, I’m glad you checked the NPC before applying so you could see the forecast. With your scores and grades you might want to look here:</p>

<p><a href=“http://talk.collegeconfidential.com/financial-aid-scholarships/1348012-automatic-full-tuition-full-ride-scholarships.html[/url]”>http://talk.collegeconfidential.com/financial-aid-scholarships/1348012-automatic-full-tuition-full-ride-scholarships.html&lt;/a&gt;&lt;/p&gt;

<p><a href=“http://talk.collegeconfidential.com/financial-aid-scholarships/1461983-competitive-full-tuition-full-ride-scholarships.html[/url]”>http://talk.collegeconfidential.com/financial-aid-scholarships/1461983-competitive-full-tuition-full-ride-scholarships.html&lt;/a&gt;&lt;/p&gt;

8

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<p>Out of state applicants are being sought for the UC system for the money they generate through the OOS tuition they pay.</p>

<p>You are out-of-state for the California-taxpayer-supported UC system.</p>

<p>Financial aid is figured using the in-state cost and then the out-of-state tuition supplement of $22,878 is added to the total the student must pay.</p>

<p>Financial aid will NOT be provided to cover the out-of-state supplement.</p>

<p>Your estimated award reflects student self-help + OOS supplement.</p>

<p>As a California taxpayer, a California parent of a college-bound freshman and a California educator, I am seeing well-qualified California applicants turned away from our wonderful University of California system in favor of out-of-state applicants who are sought for the money they generate for the UC system through the OOS tuition they pay. </p>

<p>Please be assured that California taxpayers and California parents of college-bound students will demand even stricter California residency monitoring as more and more OOS apply to the UC system and expect, as the OP does, that we pay their bills while our children are turned away from the system for which we pay.</p>

<p>I have no responsibility to pay for your education.</p>

9

<p>@mom2collegekids: my god, think you can have some empathy instead of just being rude and not helpful???</p>

10

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<p>m2k’s post is factual and is extremely helpful. This year we saw an alarming number of high-need applicants accepted to the UC system and then devastated to find they would have to pay over $30,000/year to attend.</p>

<p>For next year’s cycle, it is far kinder and MUCH more helpful to let them know in advance so they are not left without options next May 1st. As we continue to see similar posts, it is clear that so far the message is not getting through. Bluntness may help.</p>

11

<p>The taxpayer money comment explains why OOS students don’t get much if any aid at virtually all state schools. Giving the reason why helps the OP understand.</p>

12

<p>DrDoo…</p>

<p>You may prefer coddling someone and letting them waste time and money on apps to schools that will never be affordable. Those of us with a differing point of view prefer steering kids away from unrealistic and unaffordable dreams because they disrail kids from success. </p>

<p>Kids need to know WHY certain schools won’t ever be affordable to them (OOS publics can’t use state tax-payer aid to fund OOS students). They need the “rosy feel good haze” of “financial aid will pay the way” myth exposed before they end up spending their limited amount of time, fee waivers and apps on schools that won’t be affordable. </p>

<p>We’ve been thru the app cycles too many times where we’ve seen very sad 18 year olds with a handful of acceptances, yet NO affordable schools. That is a much more painful “dash of hope for the future”…wouldn’t you say???</p>

<p>If this student tells us what his/her M+CR SAT is and what intended major/career goals are, we can direct to schools that will more likely be affordable.</p>

13

<p>Seriously, it is much better for a student to find out now (prior to Senior year) that some schools are not going to be affordable, while all the other options are on the table. If you look through the forum you’ll see many examples of 2013 high school grads expecting to go off to college in the fall who are unfortunately just now discovering they have no hope of paying for it.</p>

14

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<p>Yes, UCs tend to meet financial need for California residents who make up the majority of the campus. Non-residents at UCs will see financial aid short by the amount of the non-resident additional tuition.</p>

<p>Basically, what the net price calculator is showing you is that your net price would be $8,400 to $9,400 (Stafford loan + work study) if you were a California resident, but as a non-resident, you have to come up with an additional $22,878.</p>

15

<p>If anyone wants to “buy a lottery ticket” and apply to schools that are showing up as unaffordable, in hopes that something comes up, there is no law against it. Many do. My kids did. But knowing up front, that it’s an unlikely thing to happen, that you are not likely to be able to afford the school if acepted right up front,is a reality check. </p>

<p>Now my kids had no compunction just throwing out the schools that were out of range price wise. Didn’t give it a thought. But those who feel this would cause pain, might want to avoid putting themselves in that situation. Frankly, I hurt about this. But it was not my call, and I kept out of it. Just gave the info and they were better about this than I was. But, yeah, I hurt.</p>

16

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<p>Actually, it looks (from the net price calculator result) like UCI is offering the same amount of grants to the OP as it would to a California resident. The difference, of course, is the non-resident additional tuition of $22,878. I.e. UCI is offering in-state financial aid against out-of-state cost of attendance.</p>