Can anyone break down my UF financial aid for me?

Paying for College
1

<p>Predicted UF Costs : 19908
Expected Parental Contribution : 0
Expected Student/Spouse Contribution : 220
Gross Financial Need : 19688
Total Awards : 19600</p>

<p>Predicted Federal Pell Grant : 5300
Federal Work Study* : 3000
Predicted Fed Direct Sub Loan* : 3500
Predicted FL Assistance Grant : 1455
Federal Perkins Loan* : 595
Predicted Direct Unsub Loan* : 2000
Predicted FL Academic Scholar : 3750</p>

<p>Total : 19600 for the year.</p>

<ul>
<li>indicates awards that I can reduce or cancel.</li>
</ul>

<hr>

<p>So basically, I pay 220 at the beginning for the Expected Student Contribution.
Then I have 10505 in grants, that I don't have to pay back.
Then there's 6095 in loans, that I will have to pay back.
Then there's 3000 in Federal Work Study, meaning I will have to work for the equivalent of 3000 dollars on campus.</p>

<p>Is this correct? Can anyone make any comments if there's something unusual or something I should be aware of? I wasn't hoping for 6K in loans a year, so I'm gonna have to start looking around for scholarships. This is the first time my family is going through any of this, so any help is appreciated.</p>

<p>Thanks in advance.</p>

2

<p>Rough Basic COA of UF</p>

<p>5100 tuition/fees
8600 room/board (I think “board” can be reduced with a lower meal plan)</p>

<h2>1000 books (used books and online purchases might reduce</h2>

<p>about $15k in basic costs.</p>

<p>free money : 10,505</p>

<p>I think you really only need to borrow about $4500-5000</p>

<p>3000 Work Study goes to cover personal expenses and travel</p>

<p>3900 personal expenses/travel (this amount can be reduced by frugal spending)</p>