<p>My S has been accepted to a regional in-state university and a OOS flagship. Since my husband retired from the Army Reserve in November after 32 years, our income will be about $20,000 less in 2010. The in-state school had an appeal form on its website, which I downloaded, filled out and mailed. There was nothing on the OOS site, so I e-mailed the financial aid officer listed for his last name. What can I expect in terms of financial aid consideration?</p>
<p>Which OOS flagship is it? Many OOS flagships don’t have funds to give $$ to OOS students since they need their money for instate students. </p>
<p>If the schools won’t give any consideration, is it possible for your H to work part-time to help with costs?</p>
<p>It is impossible to say as it really depends on several factors. Your EFC (and whether an income reduction will reduce it to where you are eligible for aid), the schools policy about making adjustments (some won’t immediately make adjustments to income), and the schools FA policies - whether they meet full need, whether they have their own institutional aid etc. Most state schools do not have much in the way of institutional aid and do not promise to meet full need for even their own instate students. Does the school you are talking about promise to meet full need for OOS students (very few State Us do).</p>
<p>Depending on the school the adjustment may or may not make a lot of difference. For instance 4617 is the highest EFC to be eligible for any of the main federal grant,the Pell. If your EFC is above 4617 after an adjustment you will still not be eligible for the Pell. If your EFC drops below 4617 you will be eligible for some pell. If your EFC is over 4617 and the school does not have institutional aid then all you may become eligible for is more loans if you do not already have the max in loans. The max Stafford is $5500 for a freshman.</p>
<p>H does have a full-time job - the Army Reserve was part time. The OOS school is University of Kentucky. Our EFC is approximately $14,000 based on our 2009 income. I ran an estimate based on our 2009 W-2s minus the Reserve income and it was about $8400. If I could get our EFC reduced to that it would help a lot.</p>
<p>I ran an estimate based on our 2009 W-2s minus the Reserve income and it was about $8400. If I could get our EFC reduced to that it would help a lot.</p>
<p>Oh, sorry, I missed the part that your H was in the reserves. </p>
<p>I don’t think it will help much for this OOS public to acknowledge a change since your “new” EFC would be about $8400…which is a few thousand beyond any free federal money. </p>
<p>Did your son qualify for any big merit scholarships from UK? If not, I don’t think it’s possible for your son to get a good FA package from this school regardless of an adjusted EFC. Whether they consider your EFC to be $14k or $8400, if no big scholarship is in play, then the FA package will likely have a big ol’ gap.</p>
<p>As Swimcat noted, OOS publics don’t usually give their very limited institutional funds to OOS students (exceptions: UVa and UNC-Chapel Hill). Sometimes exceptions are made if the student has very high stats and/or is desired for some other reason (such as from a state that they don’t have many students). </p>
<p>Publics charge non-resident fees for a reason. If they covered those non-resident costs with financial aid, then there would be no reason to have such costs. </p>
<p>Is the non-resident cost of attendance for UK about $30K per year? If your son is awarded a big merit scholarship, that will reduce that cost. He will likely be offered a $5500 Stafford loan and maybe some work/study. After that, there may be a big gap - regardless of EFC. It’s one of the unfortunate situations with OOS publics. </p>
<p>I know this isn’t what you want to hear, but it’s best to be prepared. However, since I don’t know your son’s stats, if they’re high, UK may put in something extra as an incentive.</p>
<p>His ACT is 30 and he is an AP Scholar with honors, but his gpa is only about a 3.10.</p>
<p>His ACT is good; he’s in the top 25% of students. 
He’s probably in the top 10%.</p>
<p>middle 50% ACT Composite: 22 - 27</p>
<p>Is that his weighted GPA? If his weighted GPA is higher, that might help. :)</p>
<pre><code>* 23% in top 10th of graduating class
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50% in top quarter of graduating class
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79% in top half of graduating class
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46% had h.s. GPA of 3.75 and higher
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16% had h.s. GPA between 3.5 and 3.74
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13% had h.s. GPA between 3.25 and 3.49
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11% had h.s. GPA between 3.0 and 3.24
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12% had h.s. GPA between 2.5 and 2.99
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2% had h.s. GPA between 2.0 and 2.49
</code></pre>
<p>Did your son apply for a UK scholarships? Is there a GPA req’t?</p>
<p>It’s nice that he’s an AP Scholar with honors, but I don’t think that will make a difference - money-wise. Schools’ rankings aren’t affected by that. Schools give money to help their rankings. But, if he’s being considered for a competitive scholarship, maybe that will help. :)</p>