<p>Yes the freud lectures haha. I don’t know what to do - it must be true that there’s no “right” decision.</p>
<p>Just pointing out that the school isn’t as ‘unknown’ as you might think!!!</p>
<p>Is the FAid scholarship based on YOUR income/assets AND your family’s or JUST YOURS? If it is based on both, what happens if your family gets increased income/assets & you lose your FAid? Just wondering as a lot can happen in 4 years.</p>
<p>Would also ask what % of the students at each U get their FAid grants/scholarships renewed in full each of their 4 years. Just thought you should get good & accurate info so you can make the best possible comparison.</p>
<p>My financial aid is based upon my family’s income.</p>
<p>And yes I guess you’re right zephyr TY FOR THAT!!!:)</p>
<p>I would say that 14,000 a year isn’t too bad…
Really depends on your financial situation though.</p>
<p>Do you have to apply for the 5th year Masters program or are you already eligible? And is that you would responsible for $8000 a year without taking out any student loans?</p>
<p>There are some qualifications for the 5 year program but they’re mostly easily like maintaining a 3.5 gpa.</p>
<p>* or you constantly wonder what might have been had you gone to Clark.*</p>
<p>I don’t think this actually ever happens, especially not 20 years later. I don’t know anyone who constantly wonders what life would’ve been like had they gone to another college who graduated 5 years ago, much less 20.</p>
<p>The average starting salary for a BA holder in psychology and counseling is definitely not anywhere near $50-65K. You’ll be lucky if you make $35-40K with your BA in psychology. You can’t practice without a master’s. With a master’s in counseling you may make more, but I doubt you will make $67K for quite some time - you may make about $45-50K.</p>
<p>That said, can you afford to pay $8K out of pocket yourself? Where are you going to get the money to cover the $14K excess at Clark, if you want to go there?</p>
<p>If I do the 5 year program at Clark, I WILL have my master’s to achieve a good starting salary. </p>
<p>8k is what is due after each year, 24k is covered by loans which I will gradually pay off. I do work a lot but the question is do I want to take out so many loans to go to college</p>
<p>Wait, $8K/year + any increases in tuition/fees + interest + $24K total or per year in MORE loans. This is getting to be higher and higher. PLEASE add up all of these amounts you will be incurring. Check each of the Us to see the increase in their costs over the past 5-10 years so you can include that in your budget. Also, add the interest that will be incurred each year. Get a handle on how much money you’re talking about BEFORE you sign any acceptance at ANY U. It makes a HUGE difference if the $24K is loans that you will incur EVERY year or once for all 4-5 years ON TOP of more debt to fill the gap to the tune of $8K+!</p>
<p>EXTRA LOANS–$8K x 4 years = $32K; $8K x 5 years = $40K
If the $24K is how much you’ll be borrowing for all for years combined: $32K + $24K = $56K; $40K + $24K = $64K
If the $24K is an ANNUAL Loan, $24K x 4 = $96K; $24K x 5 = $120K; to these amounts, you still need to add the $32K or $40K PLUS INTEREST & INCREASED COSTS/TUITION<br>
The loans are VERY significant and will be crushing debt that will haunt you for a very long time after your college days are fleeting memories.</p>
<p>I would STRONGLY suggest you take on as little debt as possible. I know many newly minted psychology grads who are working at very low wages (for those who HAVE jobs), some with bachelor’s and some with master’s. Can whomever plans to co-sign your loans afford payments if you DON’T get a job or the job doesn’t pay enough that you can pay off said loans?</p>
<p>No, including loans I am paying 14k a year. 14k x 4 = 56k for 4 years</p>
<p>Fairfield isn’t in a “hood”. It’s a suburban bedroom community. </p>
<p>Clark sounds like a better choice! Congrats on the acceptances. :D</p>
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<p>Are you sure about that?</p>
<p>^^^I agree…without much thought I’d guess that MIT, Brown, Dartmouth, Boston College, Wesleyan and a bunch of other New England schools would come in over Clark.</p>
<p>Clark is not suburban, it’s urban. And yes I’m positive check any source Clark is in the three best NE RESEARCH universities (not NE universities in general). Also I’m paying myself, not my family.</p>
<p>bumpbumpbump</p>
<p>Consider that in Zephyr’s hypothetical situations, the worst case for Clark is that you keep making loan payments and for Fairfield, it’s just that you wonder about alternatives - which you’d also be doing while making those loan payments. BTW, the vast majority of students do not wind up majoring in the field in which they initially intended to major.</p>
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<p>Citation needed.</p>
<p>A year ago, my daughter picked the free school over the much more expensive dream school. Very practical of her. She has had a great year, but we are currently waiting to hear whether she has been accepted as a transfer student at the dream school. Not sure she will go if she does get admitted, but not quite ready to let go of the dream either. If you loved the campus and could see yourself at Fairfield, I suggest you look into how much the Catholic aspect is manifested in the daily life of the campus. Many Catholic affiliates are rather indistinguishable from their non-Catholic counterparts, and you should be able to find out if this is the case at Fairfield…maybe a return visit and some direct questions to current students, especially Jewish ones. Are we talking Notre Dame here, or University of San Francisco? Check it out. Or if you just object to being fully supported in your education by the Catholic Church, well, that’s for you to say, but they could do a lot worse things with their money.</p>