<p>Thanks for taking the time to write an explanation, it helped in my understanding of her academic and family background. Unfortunately, I’m not experienced with this kind of situation, we have had members of PR descent, but I don’t think any of them attended a public school in PR. I can only make some general comments, so I hope others here will contribute if they have knowledge.</p>
<p>Since she’s a current sr, I’m afraid it’s too late for some very good programs for summer enrichment or that help with admissions and/or merit aid, such as Questbridge and Nat. Hispanic Recog. Program. I was going to suggest Ventures Scholars, which would at least get her on the radar of participating colleges, but they have a 550 cutoff for the CR & M SAT sections.</p>
<p>I’m not sure how familiar you are with current college admissions and FA/merit aid, so please excuse me if this information is redundant. I can tell you what I think are some of the practical aspects of financing college. To simplify the discussion, I will assume that her family would have an EFC of 0.</p>
<p>For need based FA, her family would qualify for federal and institutional FA. However, there are relatively few colleges that guarantee to meet the full need of the student. And within this category of colleges that meet full need, there are even fewer colleges that do not have a loan component in their FA packages (either for all students or for low income students); the rest have FA packages made up of grants, WS and loans, and the proportion of loans can vary depending on the college and how much they want the student.</p>
<p>As you likely know, these colleges with the most generous FA policies are those with large endowments and are the most selective and academically rigorous in the country. My personal opinion is that she would have an extremely difficult time being accepted at one of these schools, even considering her background, because they would be concerned that she would be successful given the level of the academics.</p>
<p>The vast majority of colleges do not guarantee to meet the full need of students, so they can leave a gap in the amount that needs to be paid, and that has to be filled by the family using loans.</p>
<p>Generally, to be in the running for merit aid, a student should be in the tip top of the candidate pool, top 10% or so. However, when it comes to merit scholarships specifically target towards low income and/or URM students, that changes some as the pool of possible candidates is much smaller. Also, if a scholarship is looking for a specific factor or trait, that will affect who is ‘qualified’. There are many colleges, particularly rural LACs, that are actively seeking to enroll Hispanic students, especially those with MA or PR backgrounds, and they often attract students with merit aid. </p>
<p>The difficulty with the merit aid approach is that it takes a lot of time to research schools, usually by going to their website and seeing if/what they offer as far as merit scholarships. Also, we are a good ways into the application process already, and many merit opportunities require additional applications and/or early deadlines.</p>
<p>I have a thought here, would a gap year be possible? She could work, volunteer, and improve her test scores and then apply as a fr next fall with a stronger academic background and more time to research schools.</p>