<p>He got in to vandy,georgetown,wustl.
We are full pay.
I told him to go where it costs less for undergrad with a med scholar program & I will pay for med school.
he wants to go to the expensive UG.</p>
<p>U are a smart teenager & will be successful</p>
<p>"Jigfeet, Have you thought about how your father will handle the situation if you do get a good scholarship and want to go out to state? "</p>
<p>Do not tell your father anything about what you’re planning to do, and don’t even tell other family members and family friends because if your dad finds out, he’ll do whatever he can to sabotage you. </p>
<p>Be prepared, too, to not be able to return home for summer and breaks.</p>
<p>“Do not tell your father anything about what you’re planning to do, and don’t even tell other family members and family friends because if your dad finds out, he’ll do whatever he can to sabotage you.”</p>
<p>I disagree with this. You will need to have your parents file a new financial aid form even to get the merit money from Pittsburgh. There is no indication that her father would sabotage her if it wasn’t costing him any money. It sounds like he’s tight with money and ignores her but doesn’t specifically go out of his way to sabotage her.</p>
<p>Having worked with dysfunctional families in a variety of ways, I think, the OP needs to find merit aid that doesn’t require her to file a financial aid form. Such aid does exist. I don’t think that the problem with her father is that he’s tight with money, but that he’s manipulative and controlling and even possibly envious of the academic opportunities that his daughter can get. If it were a matter of his simply being tight with money, he wouldn’t have set his daughter up repeatedly for disappointment as he has done.</p>
<p>I agree that the father seems to be manipulative and to be undermining his daughter.</p>
<p>Jigfeet, there supposedly are some colleges still accepting applications for fall. Google NACAC for a list. I believe Eckerd in FLA might still have space.</p>
<p>NSM and Marite, we respectfully disagree. Exactly how does she pay for Eckerd?</p>
<p>Looking at Pittsburgh’s site. I can’t find where they say you need to file FAFSA. I could swear I’ve looked at this before and saw it, but now it’s less clear that you have to file it. That’s a good question for them. </p>
<p>Nonetheless, an FAFSA was probably filed using her parents 2008 tax returns, so there is probably one already on file for this year.</p>
<p>I am not expecting her to pay for Eckerd. I am asking whether she has looked into Eckerd, which means as well whether she has looked into the possibility of getting finaid to Eckerd. The reason I mentioned Eckerd is that as of May 9, it was reported to still have a few places open.</p>
<p>As for your interpretation of the dad’s behavior, we have to agree to disagree.</p>
<p>In her first post, she said that her EFC is 35K (which means she has some FAFSA on file). She won’t qualify for enough FinAid. She needs merit money.</p>
<p>Hey guys. so I definitely owe it to you all to tell you what my decision and plan is. I have been MIA for the past weeks as I work out all of the details and holes to my plan. I feel that it is pretty solid…or, as solid as a completely uncertain plan can get. I know it does not mesh well with what many of you suggested, and please trust me when I said I took every single suggestion, wrote it down, and put pros and cons to each.</p>
<p>So, I have decided that the most important thing is for me to get out from under my dad’s manipulative rule. However, I cannot completely break away and be on my own. I need some type of support system, and be around people I know. So I have decided to go back to Iowa and claim residency, and at least I will be around old friends and such. So I am looking at apartments (with roommates) and will move in around August 1st. I have gotten a job transfer and will be working full-time for…the rest of my life haha. To claim residency and get tuition to 19k, I have to be in Iowa for 12 consecutive months, taking no more than 6 credit hours. So to lessen the blow for those 2 classes, I will take 3 credit hours at Iowa (so I can at least feel like I am part of the campus), and 3 credit hours at a local community college. After that year, I can claim residency and get in-state tuition at 19k. </p>
<p>So 19k minus the 8k of room and board that I won’t need since I have an off-campus apartment = 12k. Minus the 5k my dad will contribute = 7k. Minus the 5k loans I take out = 2k. Minus the 2k prepaid college plan = 0. Yay.</p>
<p>Oh yes, my dad said he will contribute no more than 5k a year. No matter what. Though I believe he will withdraw that money at any time, so thankfully I can cover that cost with more loans or scholarships if I need to. I am trying to find a silver lining: he is contributing so insignificantly to my future, that I can easily cope without him if he decides to screw me over again. Thus, I will be free from his rule. Well, as free as one can be with a copious amount of debt.</p>
<p>I am currently extremely stressed about figuring out how and WHEN to ship my car and clothes, when to book plane tickets, how to get immunized and healthy, how to sign up for community college classes, how to transfer bank account money and get a debit card, oh…find a place to LIVE, buy a laptop, and figure out how loans work.</p>
<p>Does ANYONE have any advice on loans? I just want the 5k stafford loans, but I don’t know if I am too late or how to do it or what. I hope it is not a difficult process. I bet it will be, since it deals with money and money is a headache haha.</p>
<p>Ha I just read that off of my To Do list. My head is swimming just by looking at it. So little time! Agh. I bet all of you know what I am going through, since you have had this on a larger scale. Moving houses and such. I just feel so overwhelmed by this. I feel like life smacked me in the face and said “you’re 18! Time to be an adult! You have 4 weeks and your parents are refusing to help you! Ha!”</p>
<p>Anyways, that is my plan. It is uncertain and scary–to me–and yes, there are simpler options: I could put all my eggs in the basket of a full ride in a year, or stay at home with dad and go to in-state school here. Or I could take charge of my life, for the first time ever, and do something that I think is right for me. This plan seems difficult, yet right. </p>
<p>You have all heard this numerously in the past, but I thank you guys again. I hope you will continue giving me advice, especially now that I seek it more in the coming weeks that before, and I just wish I could show you all my immense appreciation. Ah if only. Thanks :)</p>
<p>It’s nice to see you sounding so upbeat. I think you’re onto something here!</p>
<p>Let me make sure I understand what you are saying. </p>
<p>1) You are moving to Iowa to gain residency so for 2009-2010, you will work full-time and take classes part-time with out jeopardizing you application for residency. Transfer your driver’s license, vote and be gainfully employed.
2) You will take 2 classes over the next year to try to make some forward progress on your degree, the cost of which will be covered by your salary. This will also give you a social life.
3) You have a way to pay for Iowa instate tuition starting in 2010-2011 using a combination of manageable loans, savings from working and 529 plan plus a small amount from Dad which can be replaced by more loans if welches. Your total debt when you graduate doesn’t seem too bad. The only thing I would add is to make sure that you remember that you still have to PAY for the apartment and food. It doesn’t seem like you counted that in your calculation. You’ll need to save that from your salary. </p>
<p>This sounds like a very well thought out balanced plan with lots of upside. Nice job. </p>
<p>Just so you know, and I’m not sure if you realize this, but by only taking 3 credits per semester, I think that you are still preserving your freshman status and can still apply for the full-rides in September and you’ll probably know by December. I think that you should still apply, the applications are quite simple and not too time consuming. Make sure that you check with Pittsburgh and Alabama as to what you have to do to preserve that status. You may have to register as a non-degree student. The credits should still be transferable when you enter a degree program. I still think that a Pittsburgh full-ride is a lottery ticket for you that you have a good chance of winning. </p>
<p>Good Luck.</p>
<p>Wow. You have remarkable maturity for an eighteen year old to put all that together! </p>
<p>A couple of points to add:</p>
<p>Make sure that your deferral from Iowa is official and that your scholarship/aid money will be there for you in a year.</p>
<p>Take ClassicRockerDad’s advice and apply in the fall to a couple of possible free ride schools. The lower your debt on graduation, the better off you’ll be. </p>
<p>You will be off your parents’ health plan soon because you won’t be a full-time student. Go to the doctor now, under their plan, and tell the doctor that you’ll be on your own in a month. That way, your doctor can order any innoculations/tests that you’ll need in the coming year now.</p>
<p>Good luck!</p>
<ol>
<li><p>What Momwaitingfornew said!</p></li>
<li><p>Good luck in Iowa! You are indeed impressive and will definitely be successful.</p></li>
</ol>
<p>Great plan. Looks like you did a LOT of growing up from the first post to your most recent post. Congratulations!</p>
<p>you guys helped me so much though and I thank you for it!</p>
<p>One thing worries me: are you sure I will not be covered by my parents’ health plan? I asked my mom and she said that she was sure that I would still be covered, and that how would they know if I wasn’t a full-time student anyway? I asked her to call and ask, but she said that would just notify them that I was considering being a part-time, and why draw attention to it if it is already working ok. Yay for honesty haha. That would be terrible though, as I am going to doctors monthly since I have chronic back problems. Uh oh.</p>
<p>Also, CRD, (to you I owe a thousand thanks for all of your plans), I will definitely check into Pittsburgh and Alabama, and will call on Monday. Also, I plan for my entire wages to go towards food and apartment. I have enough resources that I mentioned, that will cover the costs of college and shouldn’t need to put money into that pot. I have the college pot and the support myself pot, and I think the college pot seems to be covered…very barely. But that is why I am working a lot now so that I can have savings covered in case they need to be dipped into! I only have 6k saved now…but that’s a start!</p>
<p>Whether you contact your insurance or not, they will ask for proof you are full time student soon. Every year we’ve had to certify our older daughter is still a full time student.</p>
<p>Hi–great plan–will you get health insurance from your work?</p>
<p>I think you need figure out a way say you are taking your classes as non-degree or “for personal enrichment” so you can still be a freshman applicant.</p>
<p>jigfeet - your mom needs to call the insurance company and find out what your coverage is as a dependent child - through age 18 or 19 usually. Then generally full time students are covered up through 24 or 25. As oldfort stated full-time status must be verified by the college you attend - in our case every semester. If you are covered through 19 and won’t reach this age before you become a full-time student then you are good. You really can’t wing this and hope for the best, either you or your mom must call the insurance company.</p>
<p>I’ve been following this post for a long time (after originally giving some off base advice), wishing you the best and being amazed over and over at the parents who freely give their time and excellent advice (especially classicrockerdad). One more parent out here standing behind you and wishing you the best!</p>
<p>Some insurance companies cover dependent children even if they are not full time students…
On the other hand, if you are living on your own and support yourself, I think you might count as “emancipated” minor, in which case your parent’s assets no longer count for college purposes… That might lower your EFC quite a bit… but you will need to get your own health insurance.</p>
<p>^^ Unfortunately, FAFSA makes it difficult to prove/claim financial independence until 24 years old, even if you are living on your own. Jigfeet might be able to pull it off; however, I’ve heard that it’s difficult.</p>