<p>Yes, that is unrealistic. HIppoBirdy and ItsJustSchool are right in that you will not make $60,000 with only a BS. I think you would be looking at closer to $35,000. I don’t understand why your parents would be furious if you went to a community college. It is really the best option for you, especially since you will have to go to school for an additional 3-4 years if you want to become a PT. Unless they have a plan to pay your extra expenses for you to attend a university, I don’t see how they can be mad at you for making the mature decision to stay home for two years and save thousands of dollars. USD in San Diego is still known for good merit aid, but I’m not sure your stats are high enough to get that help. You might look at schools that have a 7 year PT program. You could start off at a CC and then transfer to such a program. They are still expensive, but it would save a year over other programs where you have to transfer to a PT program after earning your BS. </p>
<p>I didn’t soecify, but I would go to grad school and get my doctorate, and I would make $60,000 with such a degree. So would that make a difference?</p>
<p>That means that you will have much larger debt. No this is not attainable. Parents who aren’t paying for college don’t get to be furious. Especially they don’t get to be furious over you taking on a massive amount of debt. Do they want your life to be hell? So galling. Start reading the pinned threads in the financial aid forum.</p>
<p>Actually, OP lives in PA, so community college would NOT be the best option (to go to the flagships, OP would need to do the 2+2). In addition, with strong stats, OP would be missing on lots of scholarships money, transferring from a CC.</p>
<p>$35,000 is a more realistic starting salary.</p>
<p>Lots of colleges have Jan 1, Jan 15, Feb 1 deadlines.</p>
<p>Since you are “chasing money”, you need to apply to a LOT of schools.
The “cc” option people were talking about would be, in PA, “going to a branch” (ie., Pitt Johnston or Greensburg) although I see this as a last resort indeed if you have other choices. So your job is to create those other choices for yourself.
There’s more than UTampa in Florida - and if they’ve offered you a scholarship, good for you, keep them in the running, but look for schools that will be affordable or more affordable than your other options. Gator already listed USF (good merit there, apply soon though - you’d qualify for Honors and thus could be in the running for Honors Scholarships), I listed Rollins, for instance. </p>
<p>3.7, 3APs/9H, 1850 is decent and can yield pretty good results.</p>
<p>For anything health- related, you should apply to Juniata. They’re very supportive of health-professions candidates - run the NPC and apply (it’s free to apply anyway, so its risk-free.)</p>
<p>What majors would you consider -beside those already listed?</p>
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<p>Ha! If they’re not paying, then they have NOTHING to be furious about.<br>
If they have the right to be “furious,” then you have the right to be “furious” that they’re not paying. </p>
<p>A single person isn’t likely going to only be paying 20% in federal and state taxes. Also there will be FICA and other employee-related deductions (disability, health insurance, etc). Plus 401k contributions. That debt you’re considering would take 10 years to pay off after a BS…you can’t delay retirement contributions that long. </p>
<p>You probably won’t see 40%+ of your salary. </p>
<p>Besides…without a grad degree (MORE DEBT!), you’re not going to earning much at all…$35k with only a bachelors degree.</p>
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didn’t soecify, but I would go to grad school and get my doctorate, and I would make $60,000 with such a degree. So would that make a difference?</p>
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<p>If you get your DPT, that will mean MORE loans. Probably at least another $100k in loans. Plus, the 10 year pay-back period would be until your mid-30s or later. With all the accumulating interest, that borrowed $160k would soon be $200k in debt.</p>
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My gpa is 3.7 (92%) and SAT is 1850 CR 610 M 640 W600. 3 </p>
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<p>You have a 1250 M+CR which is the same as an ACT 28. There are some schools that might give large merit for those stats that probably have kinesiology, pre-PT, and exercise science…</p>
<p>look at schools like Troy University…has sports so likely has those majors and gives lots of merit.</p>
<p>See what UMaine-Ft Kent offers. They have a LOW OOS COA and do give merit for your stats.</p>
<p>Also…look at: U South Dakota, UNew Mexico, Texas Tech, </p>
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<p>EXACTLY how much will your family pay? You have this $15k per year loan target that seems to meaningless. Where is the REST of the money coming from?</p>
<p>What if your starting salary were instead $32,000 a year? That is what a local acquaintance is making with a degree in that area. </p>
<p>Say I find a school net price 20k a year. I just talked to my dad and he said he MAY be able to give me 10k a year (but that’s unpredictable with him) so that’d be I guess 10k in loans through me/cosigner and 40k debt after 4 years, is that crazy? It just seems that the net price comes to around 20k for a lot of schools…and yes small schools are usually cheaper but i really wanted to go to a large/medium sized school. Maybe I’m being too picky. </p>
<p>And is USF pretty reputable?</p>
<p>I agree with all of the other posters about taking on debt. </p>
<p>Our oldest dd is a certified occupational therapy assistant. Her program required required 30 pre-req hrs prior to applying and only 35 students are accepted into the program/yr. (It is the only in-state OTA program.) She absolutely loves the field, had multiple job offers to choose from, and with her 2 yr degree she makes somewhere in the mid- upper $20/ hr (I think it is $27, but I’d have to confirm that with her bc I can’t remember exactly) plus time and half for overtime.</p>
<p>I don’t know of occupational therapy interests you, but a 2 yr degree does offer a very decent income. Grad school is required for OTR.</p>
<p>Why do you need that much debt???</p>
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<p>Who would be willing to cosign each year (and qualify for each year)??</p>
<p>You are being too picky…look up those schools we recommended and get your apps in. The UMaine Ft Kent and USouth Dakota would have a low net cost. And likely the UNM and TTU would also.</p>
<p>I did the estimated financial aid calculator for USD and it wasnt too cheap, around $20k net price</p>
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It’s the other way around. Big schools enjoy economies of scale. That’s why Walmart can sell to u for cheaper than the mom-and-pop store.</p>
<p>Yes, USF is quite reputable and it has a Honors College you’d qualify for.
Rollins is mid-size.
You can also attend a small college in a big city that has professional sports.
In any case, you need to apply to a LOT of schools, not just 3 or 4, and then compare merit packages.
Are your parents not willing to pay because they’re lower income and don’t have money for college, or are your parents not willing to pay because they’re in debt, or because they just have other purchases/priorities to fund? Can they pay their EFC? = do you know your EFC and have you run Net Price calculators on colleges?</p>
<p>They’re divorced and my mother isn’t financially able to pay and my father has money but prioritizes in his own expenses, unfortunately.</p>
<p>Who is your custodial parent?
If you’re not sure, it’s the person you’ve spent half the year with, +1 day.
I suggest you make sure it’s your mother for the university that won’t require your father’s info.
(Many will, especially those that “meet need”).</p>
<p>Essentially, you need to find lots of possible colleges.
Beside the schools already named - look into Hiram (Biomedical Humanities program is quite good), Rhodes, Juniata, Allegheny, UScranton, UDayton, Ursinus, Dickinson, Marist, Wheaton(MA), Luther, Gustavus Adolphus, Illinois Wesleyan, Eckerd, St Mary’s of California, UPortland, UPugetSound, Pacific Lutheran, Carroll-Montana, Capital (OH), John-Carroll (OH).
See if they offer a major in the area you’re interested in (physical therapy, occupational therapy, or pre- health at least since most of these will require a master’s degree). Cross out colleges that don’t have your area of interest.
Then, run the Net Price Calculators on EACH (since each college calculates differently).
Cross out the colleges that are over $20,000 in net price.</p>
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I did the estimated financial aid calculator for USD and it wasnt too cheap, around $20k net price</p>
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<p>Can you copy/paste those results? That sounds quite low for USD. Usually their better pkgs end up with a net cost of about $32k.</p>
<p>USD as in South Dakota </p>
<p>And MYOS1634 my mother is but my father has more money, so he is the only parent who could partially help out…and are those schools you listed good with costs/scholarships with my stats? (1850 SAT 3.7 gpa)</p>