<p>So I would love to go to california or Florida for college, but OOS cost is so expensive and I'm looking to, at max, borrow $15 thousand in loans per year, for a total of $60 thousand in debt after my BS. If I were to stay in state though, University of Pittsburgh would be an option and its a great school but it's so expensive! Even for me and I'm in state (over 20 thousand a year). Also, I was looking at San diego state but it's a little over 20 thousand a year even with financial aid (according to the net calculator). Also, I've heard it wasn't an amazing school, apparently mediocre. I was looking at university of Tampa and they had fabulous merit scholarships and grants but again after browsing the web I came across bad comments about UT and how it wasn't such a reputable school. Plus it's not too big..</p>
<p>So basically does anyone know of a college that is reputable, like pitt, but not as expensive? And in Florida or California? Even another state would be fine as long as it's not some super small liberal arts college..I've came across too many of those! Great prices, but way too small for me.</p>
<p>I think SDSU should be about 33 a year for OOS, less any Pell grant and student loan. They don’t give state aid to OOS. You are looking at tuition only maybe, you need to look at COA. Or recheck the figures. SDSU is a solid state school, you really can go by random internet people comments.</p>
<p>Are you saying you have no money or parental help except for loans? Are you a Sr? CSU applications are closed for this cycle.</p>
<p>You might look over this list of low cost OOS
<a href=“VERY LOW COST OOS COA universities......less than $25k COA for everything! - Financial Aid and Scholarships - College Confidential Forums”>VERY LOW COST OOS COA universities......less than $25k COA for everything! - Financial Aid and Scholarships - College Confidential Forums;
<p>You can only borrow $5500 as a freshman, maxing out at $7500 as a Junior and Senior. You can’t borrow $15K unless someone co-signs.</p>
<p>If you have the stats, as silly as it seems, your best shot would be at a private like USD, LMU or perhaps Santa Clara. Unlike CA Publics, financial aid is a very real possibility.
Good luck. </p>
<p>Go through the lists linked from here: <a href=“Links to Popular Threads on Scholarships and Lower-Cost Colleges - Financial Aid and Scholarships - College Confidential Forums”>http://talk.collegeconfidential.com/financial-aid-scholarships/1678964-links-to-popular-threads-on-scholarships-and-lower-cost-colleges.html</a></p>
<p>Of course, since you did not say how cheap is cheap enough, or what you consider reputable, or what kind of financial aid situation you have, or what kind of academic credentials you have, it is hard for anyone else to filter the list to a more manageable size. Be careful, some deadlines for application or scholarship application are coming up soon.</p>
<p>Yes, a while back U of San Diego had a reputation (anecdotally) for offering decent aid to applicants from areas that didn’t traditionally send many kids to the school. Don’t know if it remains true today.</p>
<p><<<
I’m looking to, at max, borrow $15 thousand in loans per year, for a total of $60 thousand in debt after my BS.</p>
<br>
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<p>YOU can’t borrow that much.</p>
<p>YOU can only borrow the following amounts:</p>
<p>5500 frosh
6500 soph
7500 jr
7500 sr</p>
<p>You can’t borrow more than that unless you find a QUALIFIED co-signer, and that person has to re-qualify every year and ALSO be responsible for the debt. Most parents will NOT co-sign either because they won’t qualify or they don’t want the risk.</p>
<p>($60k is way too much to borrow for undergrad anyway…way too much.)</p>
<p>What are your stats?</p>
<p>what is your major?</p>
<p>How much will your family contribute?</p>
<p>PS…you can’t apply to a CSU, the deadline has passed.</p>
<p>If you’re looking into the University of Tampa, you should take a look at USF (in Tampa). It’s one of the better directional schools, has fairly low OOS tuition ($17K a year) and does award merit aid (if you qualify). </p>
<p>^I second University of South Florida. Also look at Rollins.
But without your stats we can’t really advise you (are you a viable Pitzer or Pomona candidate? Or more a URedlands or U of the Pacific candidate?)</p>
<p>My apologies for the lack of details…the financial aid estimation calculators provided me with the cost that i Iisted, but yes i know they’re only estimates. My gpa is 3.7 (92%) and SAT is 1850 CR610 M640 W600. 3 AP 9 Honors over the 4 years. I do many extracurricular. And my parents will help out but not a lot…I am really depending on loans and I know I need a cosigner and I probably can get one, and a reliable site regarding loans said if I’m in debt $60,000 plus interest it’s $740 a month for 10 years after my bachelor’s degree. Major is physical therapy/kinesiology/excersize size. </p>
<p>And I already applied to SDSU before the deadline</p>
<p>$60,000 in debt for undergrad is CRAZY. It’s really, really not a good idea and will hobble your young adult life for many years. $740 a month is a LOT to pay back, unless you plan to live in your parents’ basement and have a seriously curtailed life…</p>
<p><<<
And my parents will help out but not a lot…I am really depending on loans and I know I need a cosigner and I probably can get one, and a reliable site regarding loans said if I’m in debt $60,000 plus interest it’s $740 a month for 10 years after my bachelor’s degree. Major is physical therapy/kinesiology/excersize size.</p>
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<p>That is toooo much debt for that undergrad degree. That is like paying for TWO extra car payments in ADDITION to your own expenses and perhaps REAL car payment. I don’t think you understand how unaffordable that amount is.</p>
<p>If you go onto DPT, there will be a lot more debt for that. And, what if you don’t make it to DPT, then you’ll have too much undergrad debt for the kind of job you’d likely get.</p>
<p>Plus, it is doubtful that you’re going to find a qualified co-signer who will be willing to cosign (and RE-QUALIFY) each year. Each year that the person co-signs, his credit rating takes a hit. So, he may not qualify to co-sign after the first year or two. Plus, it’s a HUGE risk for the co-signer which is why most people won’t do it. </p>
<p>If you can’t find an affordable school that won’t require add’l loans (more than fed Direct loans) then start at CC and transfer later.</p>
<p>I cannot go to community college! My parents would be furious plus I need to get out of the area…I really didn’t realize this debt because I look at it this way: I make average starting salary of $60,000. Taxes brings it down to $48,000 if they took 20% of my income. That divided by 12 is $4,000, and that monthly income minus my debt ($740 a month) is $3,260. I could find a cheap place to rent for $2,000 a month… Is that unrealistic? I really thought I was planning well but now I’m doubtful. Having PA as a home state sucks because the tuition is so pricy except for some lower ranking colleges but I wouldn’t wanna go there…ugh</p>
<p>I don’t see how you get a $60,000 per year job with a bachelors degree in physical therapy. This article talks about needing a doctorate
<a href=“Can I Become a Physical Therapist With a Bachelor's Degree? | Work - Chron.com”>http://work.chron.com/can-become-physical-therapist-bachelors-degree-10941.html</a></p>
<p>“You cannot become a physical therapist with just a bachelor’s degree, which takes four years to complete. The course of study does allow students to take two jobs in the field. The higher paying one is that of physical therapist assistant, which allows for direct care of patients, depending on state requirements. The second is that of PT aide, which requires only a high school diploma and includes on-the-job training. However, bachelor’s degree holders will be overqualified for both jobs since assistants typically need a minimum associate degree and aides only require a minimum high school diploma.”</p>
<p>Starting Salary of $60,000 is unrealistic.</p>
<p>If that is your starting salary, all your peers will be booking a week ski-in/ski-out at Snowbird and you will be there, the equivalent of “driving a band-new car off the cliff” every other year for TEN YEARS!!! and pasting on a fake smile, saying “I don’t really like skiing, or sailing, or scuba diving off the great barrier reef, or surfing off Bali. I would MUCH RATHER shovel over cash by the bucketful to some over-enrolled state school to help their Chancellor do all those things, since the in-state students aren’t doing their part in funding his/her vacation!”</p>
<p>Plan a smaller wedding, don’t plan to visit your parents often, stay in a small cheap apartment when everyone you know has saved up and is buying their McMansion; whatever.</p>
<p>Sure $740 a month ($9,000 a year) is totally do-able!</p>
<p>Harsh. But you’re right. I just don’t know what to do…</p>
<p>You could take a gap year and get a job like this:
<a href=“http://www.aandc.com/employment-opportunities/physical-therapy-aide-es-12-2014/?utm_source=Indeed&utm_medium=organic&utm_campaign=Indeed”>http://www.aandc.com/employment-opportunities/physical-therapy-aide-es-12-2014/?utm_source=Indeed&utm_medium=organic&utm_campaign=Indeed</a></p>
<p>Physical Therapy Aide
…QUALIFICATIONS, SKILLS & ABILITIES
Must be at least 18 years of age; high school diploma or GED equivalent is required.
1+ year of experience in rehab and/or medical setting desired, but not required.
Experience and/or education related to Exercise Science, Kinesiology and/or Athletic Training a plus.
Excellent customer service skills a must; this includes, but is not limited to:
A demeanor which is outgoing, friendly, warm, accommodating, cheerful, helpful, etc. both in person and over the phone.
Clear speaking and attentive listening skills.
Adaptable and flexible in handling varying patient volumes, while providing a consistent patient experience.
Strong technical skills with ability to become proficient in various software packages used in this role.
Experience with Electronic Medical Records (EMR) a plus.
Ability to understand and carry out oral and written instructions and request clarification, when needed.
Ability to work independently, with minimal supervision, as well as part of a team.
Ability to comprehend and consistently demonstrate the essential functions outlined above.</p>
<p>Maybe BS in Athletic training leads to a job. Otherwise grad school spears to be needed for kinesiology or PT
<a href=“http://ens.sdsu.edu”>http://ens.sdsu.edu</a></p>
<p>Have you at least applied to West Chester? It’s very highly regarded. If you haven’t applied to West Chester, you’re kind of late and may have missed the boat on any scholarship money there. How about any of the other Pennsylvania state schools? Some of them might throw a couple of grand your way because you’ll be an upper quintile applicant for them. Are any commutable for you? You could knock out your pre-reqs nearby and then transfer to one that has the specific program you’re interested in, like West Chester. </p>
<p>Temple will knock 5 grand off, but that’s probably still be too high. </p>
<p>You need a number from your parents and you also need to figure out how much you can earn on your own. Say that adds up to 8k each year. That’s probably not enough to do state school affordably unless you can commute (or get some scholarship money). State school direct costs to live on campus are right around 21k. If there are any local private schools within commuting distance - I’m thinking like Immaculata, Seton Hill, etc. - those may bring the ticket price down to a price that won’t have you taking on usurious debt levels. </p>