Big, BIG dilemma---HELP?

<p>Alright.I applied to 8 colleges and have received acceptances from 7 of them. The 8th hasn't answered me yet. </p>

<p>Sounds great, right?
Normally, I would think so. However, I made a big mistake in my college decisions that really messed EVERYTHING up. (If you're going to rant about how stupid I am for doing what I did, please just exit out of this post immediately-- I'm aware I made a tremendously idiotic choice, but I can't go back and change what I did. Belittling me over it will accomplish absolutely nothing.)</p>

<p>I'm going to spare you all the history behind my problem. I don't feel I need to attempt to justify what I did, because I'm hoping you'll all look past my stupidity in order to answer the question at hand.</p>

<p>I applied Early Decision to Muhlenberg College. I loved the school (still do) and could see myself attending it, so it seemed like a good choice. My problem arises here; I'm getting 5-digit annual merit scholarships from EVERYWHERE else... and what am I getting from Muhlenberg? $0. </p>

<p>I learned that I could back out of Early Decision if I could not afford the remaining cost after financial aid. I learned that I could wait to withdraw my other applications UNTIL I got my financial aid packages from the other schools. There was one thing the agreement failed to mention. I HAVE TO PAY MY DEPOSIT BY THIS WEDNESDAY, when I clearly do not have my financial aid packages from any college, INCLUDING the Early Decision college. </p>

<p>I don't know what to do. I don't want to pay the non-refundable $400 deposit only to chose another college and have to pay another deposit in addition to that, but I also don't want to completely rule out Muhlenberg as a college choice. It still tops my list, but I just want to be able to know that it is the most affordable choice before I seal the deal! </p>

<p>(I would be just as happy attending my second choice, Ursinus College, if it wound up costing less. Of course, I still like Muhlenberg more, but I would be willing to give it up in order to save myself a couple thousand dollars in loans. I have a $19,000 merit scholarship there.)</p>

<p>Really, I'm just lost. I messed up the first choice I had to make as an adult, and I need to get back on the right track before I mess up my life even more. I want to be able to wait to send in my deposit until I get my financial aid packages from my other schools, but I don't believe that's possible. If anyone has any advice for me, I would GREATLY appreciate it.</p>

<p>If Muhlenberg Is still a contender, email them and request an extension of the deposit date until you have their final aid offer. Which of course you probably don’t have because your FAFSA and Profile probably haven’t been completely processed.</p>

<p>Then go have a sit down with your parents or whoever it is who would be on the hook for your college bills, and run the numbers. Check the rules on all those merit offers. Are they automatically renewed each year? Do you need to maintain a certain GPA? Are they fixed dollars, or are they a fixed percent of the cost of attendance? </p>

<p>Run the Net Price Calculators at each institutions website to get a notion of whether or not they are generous with need-based aid, and read the fine print about how they package merit plus need. Those merit awards may be all you wil get other than a student loan.</p>

<p>Request an extension from Muhlenberg until they give you the financial aid offer. If they refuse to extend the deadline to when you see their financial aid offer, then tell them you cannot afford to attend and make plans for another college. (However, for ED, you should not expect to be able to compare financial aid offers at other schools, though it is reasonable to be able to wait until the ED school makes its financial aid offer before committing.)</p>

<p>My FAFSA and Profile have both been received. I got an official Muhlenberg estimate from my Profile alone a while ago, but I don’t know if it may change once my FAFSA gets taken into account. If the estimate is at all accurate, more aid elsewhere would definitely be more favorable than taking out a hefty loan to attend a slightly more appealing school. Of course, I can’t really know if I will get more aid elsewhere until I receive my packages.</p>

<p>I’ve done net price calculators as well. All of my schools are good with need-based aid, and some of them claim to meet 100% or 90+% of need. I do expect generous need-based grants from the schools given my income and situation with siblings in college.</p>

<p>All of the merit scholarships are fixed costs that are renewed with a certain GPA the next year. I don’t expect to have trouble maintaining the required GPAs.</p>

<p>I will try e-mailing them or calling Muhlenberg. If that doesn’t work, though, I’m still in the same sticky situation.</p>

<p>Thanks!</p>

<p>Firstly, no outsies. Once you post, expect all replies. Secondly how can you excel in school, likely ace your college boards, but be unable to to make a simple educational decision? </p>

<p>Helpful Hint: Your ultimate decision should be based on instinct. Deep down you know what you want and you should follow your heart. GL</p>

<p>I would call the FA office and confirm that your aid package won’t reflect any additional monies with your FAFSA factored in. More than likely they will say that unless your financial situation has changed pretty drastically since you submitted the CSS it won’t. If your parents aren’t comfortable with the package, withdraw from the ED and go with your second choice. Some schools will suggest you appeal the original package…which sometimes does result in more $$, sometimes a good chunk of $$$. But if it’s way off base, just call the school and ask to withdraw from ED.</p>

<p>Excuse me for finding that comparison to be hilarious… Thank you!</p>

<p>PEOPLE MAKE MISTAKES. I’m not beating myself up for mine because I know I’m human. I just felt the need to make that request because I know many CCers cringe at the thought of imperfections and mistakes.</p>

<p>Also, on your “helpful hint”, my heart says Muhlenberg. My heart can’t influence financial aid offers, though. If I get more aid elsewhere and am left with a gap I can’t afford to pay, I’m not going to follow my heart to a future of paying off hefty loans.</p>

<p>Thanks.</p>

<p>

Alright. How does one go about “appealing the original package”? I mean, it’s worth a shot.</p>

<p>Thanks a bunch!</p>

<p>Start with a call the FA office. I’m not sure how all schools proceed, but usually it’s as simple as a pretty straightforward letter stating that the package they offered based on the CSS Profile would not allow for you to attend…that your ED app reflects your excitement to join the class of 2017…yada yada…please reevaluate. And if there’s <em>anything</em> you can throw in there to grease the wheel - siblings in college or in tuition/fee schools, special situations, it can’t hurt.</p>

<p>KittyCat, with ED is you do NOT get to compare against other schools’ financial aid offeres. Ideally, if you apply ED, you have a school that you like enough that if it’s affordable, you want to go, even if you could have gone somewhere else for less. However, now it seems like you’re getting cold feet on that. As you say, you shouldn’t have applied ED if you wanted to be able to compare and take your 2nd or 3rd choice if the money was better. But that’s water under the bridge at this point.</p>

<p>Do you in fact already have schools where the merit aid makes the net price lower than Muhlenberg, without any additional need-based aid? If not, then you’d be taking a big risk in turning down Muhlenberg without knowing if anything else is going to work out better. If you don’t have a better offer already on the table, I think you need to consider the Muhlenberg offer on its face and figure out if it’s doable or not. If you can indeed afford it, then be grateful that your first choice school is affordable and send in the deposit. If you can’t, then you’ll have to turn them down.</p>

<p>As for appealing, call the financial aid office and ask if your package is likely to change based on your FAFSA, and let them know that your family is not sure they can afford it, and ask if there is any chance it might be improved (and ask for an extension until they have had a chance to consider that request, if they say they can take another look).</p>

<p>

This is my problem :(. I’m left with a huge gap at Muhlenberg. If I happened to get a merit scholarship similar to the ones I got elsewhere, the majority of that gap would be gone, making it extremely affordable. My issue is that I feel like the other schools would probably give me a similar need-based package, which would make college affordable when combined with their merit scholarships. </p>

<p>Thanks for the advice! I will definitely call the school up and ask.</p>

<p>Better loans-than than a lifetime of nagging doubt, wondering -what if. Well done & GL</p>

<p>The thing with merit and need-based aid is that merit doesn’t necessarily reduce your out-of-pocket cotsts because it reduces your need.</p>

<p>Example:
60K cost of attendance, 20K EFC, school meets full need… your need is 40K, which the school might meet as follows:
33K grant aid
2K work study
5K student loans
leaving a 20K family contribution</p>

<p>If you got a 19K merit scholarship, worst case your package now looks like this:
19K merit scholarship reduces your “need” to 21K which may be met as follows:
14K need-based grant aid
2K work-study
5K student loans
still leaving a 20K family contribution</p>

<p>In the best case, the school will reduce your “self-help” (loans and work-study) before reducing your grant aid:
19K merit-based scholarship reduces your need to 21K
21K need-based grant aid
still leaving a 20K family contribution
HOWEVER in this case you “could” still take out the 5K loan and use it toward that 20K. You could also still get a job on campus (though not an official work-study job)</p>

<p>But what you will not see is:
33K grant aid
2K work study
5K loans
19K scholarship
leaving only 1K for the family to pay. That’s not how it works. Your merit aid reduces the total value of your need-based package on a dollar-to-dollar basis. Your only net gain is if the school lets you get rid of the self-help first.</p>

<p>Note that if a school does not meet full need, then they may not reduce your need-based aid by as much – they would let the merit aid fill the gap. So… if you had a situation where COA was 60K, EFC was 20K, so need is 40K but the school only gave you a 30K package, leaving a 10K gap, such as:</p>

<p>23K Grant aid
2K work study
5K loans
30K for the family to pay (20K of EFC plus another 10K gap)</p>

<p>and then you got a 19K scholarship, the school will <em>usually</em> not reduce your need-based aid for the first 10K of the scholarship that covers the gap. So in that case you might end up with
19K scholarship
14K Grant aid
2K work study
5K loans
20K for the family to pay, which in this case is much better than the gapped package.</p>

<p>Or if the school has nicer merit aid policies, you might end up with
19K scholarship
21K grant
20K for the family to pay</p>

<p>So… Bottom line you <em>really</em> need to find out how the merit aid you have been offered will interact with any need-based aid you might be offered at those schools. </p>

<p>If you name the other schools, some folks here may be able to predict how their aid packages are likely to compare to Muhlenberg’s. </p>

<p>Did Muhlenberg actually meet your full need (according to their computation of your “need”) and you just feel that what they think you can afford is too much, or did they actually “gap” you – that is compute how much they thought your need was but then not cover it all?</p>

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<p>How and where did you learn such a thing? It’s simply NOT TRUE. An ED application is a commitment to attend that college if admitted and if the financial aid offer you receive makes it affordable.</p>

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</p>

<p>Of course you have your financial aid offer from Muhlenberg. You said so yourself in your first post. According to you, it was $0. Unless your financial situation has changed dramatically your final offer will be consistent with the offer you already received.</p>

<p>If you wanted to appeal that offer, you could and should have done so at the time you received it. You did not, so your ED commitment stands. You should have withdrawn your other applications.</p>

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</p>

<p>You’ve already “sealed the deal” by applying ED to Muhlenberg and not notifying them immediately that their financial aid offer made it impossible for you to attend. Muhlenberg expects a deposit from you because you’ve already committed to attend! I’m sure the admissions staff at Muhlenberg would be quite surprised to discover that you’re still undecided. From Muhlenberg’s website:</p>

<p>“If you are admitted ED, you’re expected to withdraw other applications and enroll at Muhlenberg.”</p>

<p>If you want to break your agreement with Muhlenberg, then do so. They would be within their rights to notify all the other colleges to which you’ve applied (and been accepted!) that you pursued those applications after being accepted ED to Muhlenberg. And all of those other colleges would be within their rights to rescind their offers of admission.</p>

<p>You could well find yourself without any college to attend next year . . . at any price.</p>

<p>I’ve just read some of your prior posts and it appears that you received your ED acceptance from Muhlenberg very recently - within the past two weeks. You’re also in the extraordinary situation of having received your RD offer from Ursinus before you received your ED offer from Muhlenberg.</p>

<p>Given how recently you received your offer from Muhlenberg, it may not be too late to appeal their offer of $0 aid. And, given that your offer from Ursinus arrived prior to the offer from Muhlenberg, it might also be appropriate, if Muhlenberg agrees to consider your appeal, to advise them of the more generous offer you received from Ursinus and ask if they can match that offer. Just make clear that the Ursinus RD offer arrived before the Muhlenberg offer.</p>

<p>What you cannot do, however, is delay taking action until you’ve received any further offers. Your ED contract with Muhlenberg is clear: if their offer is affordable, you must accept it. You are in the enviable position of having received Ursinus’s offer (and perhaps others?) before you received your notice of acceptance from Muhlenberg . . . but that does not give you the right to breach your contract with Muhlenberg by hanging around waiting for whatever other offers you might receive.</p>

<p>Contact Muhlenberg and appeal the $0 offer you received. If they respond that your offer is not yet final, you may then reasonably request to postpone your enrollment until you have a final offer. Such a request would not violate the terms of your ED contract. Otherwise, you may delay making a decision only until Muhlenberg either grants or denies your appeal, at which time you must make a decision promptly.</p>

<p>I believe the OP actually received a non-zero need-based package from Muhlenberg, but did not receive any merit-based aid. And I believe the OP has received merit offers from other schools, but not their need-based packages. AND I believe that the OP believes that one can combine need and merit packages in a way that is not in fact the case.</p>

<p>

I never said my need-based offer was $0. I said the merit scholarship I got at Muhlenberg was $0… meaning I didn’t get a merit scholarship from Muhlenberg. I’m sorry if it wasn’t clear.</p>

<p>I only have an estimate. The money offered is definitely more than $0, but it’s still a gap that is too big for my family to afford.</p>

<p>

I’m not quite sure what they did. I was never informed of what their computation of my need was, so I can’t tell whether they met it all and just extremely overestimated my EFC or if they actually gapped me. </p>

<p>

I could’ve sworn I read it on the agreement I signed… I mean, if you’re so adamant about what you’re saying, I guess it’s possible that I could’ve misread the agreement, but what I remember reading said that I could wait to withdraw my other applications until I received financial aid packages.</p>

<p>

What? They can really do that? I’M FOLLOWING WHAT THE AGREEMENT SAID! It said that financial aid applicants should wait to withdraw applications until they received a financial aid package. Since I have received no official package, I’m not violating the agreement in any way.</p>

<p>I was under the impression that colleges could only do that if an applicant ACTUALLY broke the terms of the agreement. As of right now, I’m not doing anything wrong. In fact, one could say that Muhlenberg is violating the agreement by asking me to matriculate before I receive an official financial aid package from them. Okay, maybe I don’t need to wait for packages elsewhere, but I’m entitled to knowing my actual financial aid offer from the school I applied ED to before I decide whether or not I can afford it. How can I decide otherwise?</p>

<p>— And, just to clarify, I have not received any official need-based financial aid packages ANYWHERE yet. I’ve just been informed of the merit scholarships I’m receiving at 6 of the 7 schools I’ve applied to. </p>

<p>Thank you, everyone, for your help. I’m sorry if some of what I said in my previous posts was confusing; I wrote it all while being half-asleep.</p>

<p>I’m missing something here. When did “I learned that I could wait to withdraw my other applications UNTIL I got my financial aid packages from the other schools.” this happen? Did Muhlenburg tell you that you could do this? I think I am shooting off a an Email to Muhlenburg to tell them what a joke they are making out of their ED program with this situation. This is preposterous. </p>

<p>Without knowing all of the facts, i won’t lay blame on the OP, but to lay out the terms of ED, one gets extra consideration for admissions in return for making this your first choice school and withdrawing your applications elsewhere upon acceptance to that school with the only exception being that if the financial aid package from the ED school makes it undoable. You, a parent, and the school counselor likely read and signed the statement on the Common Application, and i urge you to reread exactly what you agreed to do. </p>

<p>The agreement says nothing about merit money. It only addresses meeting financial NEED, which you may not have, or have little of. So really what you agreed to do, is to withdraw you applications upon receiving Muhlenberg’s acceptance unless their aid package is unacceptable to you, at which point in time you would appeal it and give them time to come up with something if they can. From what i can gather in the situation, they probably can’t because a school can’t just pull financial aid out of anywhere if there is no need as defined by PROFILE and/or FAFSA. And there is nothing about merit money. It has always been my suspicion that ED kids are handicapped in terms of scholarships as no such incentive is needed because of the ED agreement.</p>

<p>Where my guess is about this whole problem is that these stupid wannabe schools imitating the big boys with their EDs are doing ED2s with time tables that are meeting up with early read and offers from other wannabees that are trying to attract these kids. So instead of everyone honoring commitment and agreements made, the whole idea of ED is now a scavenger fight. And this kid is worried about a $400 deposit.</p>

<p>I don’t have any sympathy for the OP, but even less so for the schools involved and they pretty much substantiate some nagging doubts I have had about the integrity of this whole process. Sheesh. If the OP has talked to the Admissions Office at Muhlenberg and they agreed to let this applicant look and compare MERIT offers, then everyone gets what they deserve. Op might as well milk this for what she could. </p>

<p>Go ahead and ask for the delay. See if Muhlenberg will match your merit offers elsewhere. If I were the admissions director there, I would shoot this dog of a case and tell the OP right out to get of the pot or dump right now, but if they have been allowing this leeway, then it’s their own pot to clean. </p>

<p>What is your EFC? What did Muhlenberg say your need is? Usually, the FInancial AId office does the aid packages and they do have to be backed up by need as defined by formula, and other than for ED, the packages are usually not done this early. Admissions tends to do the merit awards, and you, OP, are apparently a hot candidate, for these schools so they have jumped the gun in admitting you and giving you money to get you to come. Congratulations on that. My advice right now is to talk to Muhlenberg’s admissions office and tell them outright what has happened and if they won’t give you a merit package on the spot, then tell them you can’t go there and head on to Door #2, Unless you have need, none of the schools are likely to give you a financial aid package. Your best bet for that was Muhlenberg as your ED school. The thing that is causing so much confusion here is that merit and financial aid are two wholly different things coming from two completely different offices and these schools are all hungry to seal the deal on a candidate they really want. </p>

<p>This is why ED is such a bad idea. All of a sudden a first choice school is not such a first choice school when other schools throw money in the pot. Saw that happen with a good friend of mine and his DD. He would have gladly cut of his arm for his DD to get into FIrst CHoice U and when she did, they broke their necks to make the fin aid package acceptable and were going to go with it. But then State U gives a better deal with Honor College Icing (they didn’t care that she had been accepted ED elsewhere and her application continued to be processed), Suddenly free sounded really good next to $40K a year,. He still regrets his DD having applied ED since they never did find out what some of thsoe schools that did cancel her application would have given her.</p>

<p>The reason ED often works is that it keeps the applicants in a vacuum about what else is available and preys on the fear that the appllicant may not get in anywhere that often lurks in the minds. It goes on that Big MO. Strip that away, and other than for the most selective schools, the HPYMS and company, and it’s all a big razzle dazzle and when the lights go on and all the offers are on the table, FIrst Choice U can look pretty danged paltry. </p>

<p>OP, you probably would have gotten merit mone from Muhlenberg too, had you NOT applied ED. But they may have already given it out to those not so constrained. You can talk to them and see if they’ll match your offers. If the adcom from that school is reading this , S/he should be ashamed the way they operated on this, and had better get to work on tightening up the ED process at that school as it is a total clusterwreck.</p>