Advice needed for financial aid

<p>hello everyone, i need couple of suggestion. i been accepted at Uconn, Southern Connecticut state university, University of New Haven, and Quinnipiac University
i received the following financial aid packages
Uconn:
COA : 27,654.00
Federal Pell Grant 5,645.00
Fed DL Stafford Sub Ln 1 3,500.00
Fed DL Stafford UnSub Ln 1 2,000.00
Parent (PLUS) Loan Eligibility
16,509.00</p>

<p>SCSU: Based on semester
COA: $11,475
i was offered
State university grant : 1,500
Oppor Grant: 250
Pell Grant: 2,823
Stafford Loans Sub/unsub : 2,750</p>

<p>this leaves me with roughly 4,000 to pay on my own every semester</p>

<p>UNH
COA/ 47,850
they offered
school scholarship : 8,500
Pell Grant: 5,645
university Grant Aid: 8,860
Federal direct loans Sub/ unsub: 5,500
this leaves me with about 19,000 to pay on my own per yr</p>

<p>QU:
will be receiving financial package today or tomorrow</p>

<p>my question is regarding uconn, it seems they have offered really small amount, uconn is among my 2 choices, but it includes alot of loans, if i am correct it will end up costing me more than UNH which is private school
the most important thing iam doing right now is applying for alot of scholarship, any suggestions?
oh i forgot to mention my family income is around 34k a yr, so that really does not give me alot of options to choose from</p>

<p>UConn is unaffordable.</p>

<p>To be perfectly honest, all if them are. How do you propose to come up with the extra $4,000 each semester at SCSU? That is the one that is the least unaffordable.</p>

<p>If there is a commuting distance community college that you can attend for the first two years, check it out. Chances are that your Pell and federal loans would cover a CC, and you could possibly even put something away toward your last two years.</p>

<p>Can your family afford the $8000 a year for SCSU? If not - is SCSU (or ECSU, WCSU, CCSU) within commuting distance. If you got into SCSU you should be able to get into one of the others, if they are a more reasonable commute. These really look like your only options.</p>

<p>Your parents are likely pretty strapped as it is right now, so asking for any money from them is going to putting their backs to the wall, and could be a disaster if they borrowed for you, so put the PLUS parent loans away, and UConn is not an option for you, Clearly, SCSU is the least expensive, and I know kids who have done just fine there, but can you afford $4K each term? Do you have money saved? Are you working or have a job lined up to pay at get at least half of this covered this summer? You can get a few thousand more from the Stafford loans, but still $8K is a lot of money for a family making $34K a year. And that means a lot of borrowing, like $50K worth for college. </p>

<p>I agree with Happymom.</p>

<p>thank you guys for the information, i will consider all the options you guys provided. i guess community college won’t hurt after all</p>

<p>kv1290 -</p>

<p>My own Happykid went to community college because it was all we could afford. She had wonderful opportunities there, and now is at one of our state Us. When you visit your CC, don’t forget to ask about scholarships and work-study opportunities. Keep your eyes focused on your long-range goals and you will achieve them.</p>

<p>Are any of the CT state schools within commuting distance? You may be able to do that - and have the full university - but just not live on campus. All 4 have large commuter populations. If they would give you the same grants (I’m not sure how this works) even commute - you would only need to earn or borrow about $1000 a year.</p>