<p>
You just click on it to enlarge it, just like it says when you pass your cursor over it. OP went to the effort to post the data; we ought to put some effort into looking at it. I think the information is presented by this college in an unusually clear fashion.</p>
<p>To summarize for those averse to clicking, the net cost to OP of of $9807 (that is net of all grants) is covered by work study of $2800, Stafford loans of $5500, and a Parent Plus loan of $407.</p>
<p>Sorry there. My clicker doesn’t work, or the computer is just too slow. So UCSD is probably very much affordable to OP. Wait and see what the other options are. Until you see what the costs are, you can’t really make the decisions.</p>
<p>You’ve done well getting into these programs, OP, and that you know you have one affordable option, makes it doable for you to go ahead with your plans. When you see what your choices are, since cost is an essential part of all of this, you can, discuss the situation with your mother. </p>
<p>Sorry I was being hard on you. As a mom, I can see how your mother might feel beleagured and frightened about all of this. I don’t think that with her financial situation the way it is, she is going to be able to contribute much monetarily to your education, nor should she with a child at home, herself and her mother that need care. You are pretty much on your way. Again, congrats.</p>
<p>Until you cut the purse strings, your Mother will always be the boss. Her power is great, but she only has the power that you allow her to have. Besides loans your other choice is to work and save. Also I think when you turn 24 you will be considered independent as far as financial aide goes. That might help. GL</p>
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<p>For those who have trouble reading it, it says:</p>
<p>Grants and scholarships = $21,069 per year</p>
<p>Net price = $9,607 per year, including:
EFC = $707 per year
Work study = $2,800 per year
Student loan options = $6,100 per year
Parent loan option for EFC = $707 per year</p>
<p>UoP is quite costly which is another reason I don’t really want to go there. My mother says it’s fine for me to go there but honestly I don’t know where the money will be coming from unless she’s willing to borrow.</p>
<p>I’ve saved up money over the past couple of years and can pay out of my own pocket at least for a year around 4k of the 9k so I think if I did work study and took out a small loan, it might make ends meet.</p>
<p>OP,
If USCD is MORE affordable than UOP, then you would be foolish to pass up the opportunity to go there. Your mom is probably having a hard time “letting go” at this point, which is often the case for first born kids, and just does not want to see you move far away. THIS WILL PASS. Trust me!
YOU , not your mom, will have to be the one this time who makes the mature, “adult” decision- the one that makes the most sense for you and your future.
Dont pass up UCSD. It is - education wise-by FAR the best opportunity for you! There are thousands of wait listed students who would love the opportunity take your place there- and would do so in a heart beat!</p>
<p>Is it possible for you to visit NEU and let her see for herself what the school has to offer ?</p>
<p>I was also going to suggest somehow helping the mom become more familiar with Northeastern and Boston, so it is not as abstract. But there are other factors going on here, money for airfare, yes, but also the fact that the mom no longer has a spouse around.</p>
<p>No info on the cost of Northeastern with aid offered. That might help.</p>
<p>The original poster sounds very responsible and has even earned money to help pay. That kind of maturity should be rewarded with freedom to choose, as long as the school is affordable, and that means choosing a major too. </p>
<p>I know that is an ideal and may not happen, but just to give some praise to this young person in the midst of a frustrating situation.</p>
<p>*UoP is quite costly which is another reason I don’t really want to go there. My mother says it’s fine for me to go there but honestly I don’t know where the money will be coming from unless she’s willing to borrow.</p>
<p>I’ve saved up money over the past couple of years and can pay out of my own pocket at least for a year around 4k of the 9k so I think if I did work study and took out a small loan, it might make ends meet.*</p>
<p>At a minimum, take out all of the subsidized loans and keep as much as your own money for emergencies or for years when you may have a shortfall.</p>
<p>When your mom is talking about going to UOP, simply ask her what will cover the shortfall at that school. IF she suggests that YOU take out loans, explain that you can’t take out extra loans without a qualified co-signer who will qualfy for all the undergrad years. Since she doesn’t have a high salary, it’s doubtful that she’d qualify even if she wanted to co-sign. And even if she qualified the first year, there’s no assurance that she’d qualify later because after the each co-sign her credit score goes down. </p>
<p>Do you live much closer to UOP? </p>
<p>What other UCs did you apply to? </p>
<p>If you end up nicely, but firmly, choosing to go to a UC because it’s much more affordable, I doubt that your mom would refuse to help with FAFSA in future years. She’s likely banking on the fact that you’ll be making good bucks in the future and she wouldn’t want to trip that up…or lose you.</p>
<p>i am familiar with stockton (the city where UOP is located). Unless this school is significantly cheaper than the others, i wouldn’t go there. i just can’t imagine spending 4 years there.</p>
<p>Since I’m admitted into the PharmD program, I would actually be spending 6 years there. I just received my financial aid package today from UoP to make up the net costs: </p>
<p>Federal Direct Plus Loan: 11,200; Stafford Sub: 3500; Stafford Unsub 2000; Perkins Loan 1500; Work Study: 2000 </p>
<p>I’ve also been accepted to other UC’s including: UCD, UCSC, UCSB and UCI. I’m waiting for LA to come out this Friday. I live in SF so I live much closer to UoP which is another reason why my mom wants me to go there. </p>
<p>I’m just waiting for NEU’s financial aid package to properly compare the figures.</p>
<p>My mom and I have stopped arguing for now, and I’ve decided to visit UoP with my friends and with her this coming Spring Break… to appease her… but I really hope she doesn’t get the idea that just because I visit the school, I’ll go there. My friends say they’ll try and help convince my mom (my friends and I are interested in pursuing a career in pharmacy). There’s also Triton Day (For UCSD) coming up which I’m thinking about going to.</p>
<p>$18,200 in loans per year is a lot. That turns into $72,800 after four years, $109,200 after six years (if the extra two years for the PharmD gets the same aid package).</p>
<p>A bit of web searching for “PharmD employment outlook” produces a decidedly mixed picture. Given that, it would be unwise to take on that much debt.</p>
<p>Davis is closer to San Francisco than Stockton is.</p>
<p>For those of you claiming “Boston is too expensive”, I am not so sure. Yes, Boston is probably more expensive than Stockton, but if you are comparing to the major metropolitan areas like the Bay Area or LA, California wins the expensive contest. Stockton will probably be cheaper to live in than Boston, though. If you live off campus in Boston in an apartment, your share of the rent could be around $1000/month. There are plenty of cheap eats around Northeastern, though. The cost of eating out is noticeably cheaper near the NEU campus than a little further away in the Back Bay, for example. (I am an adult student at NEU, in another Bouve college program, graduating in May, BTW. I am also a graduate of UCSF – are you in at that PharmD program? I think it is supposedly #1 in the country. Except…I am just realizing they probably don’t have a 6 year program since they don’t have undergrads there. Never mind.) </p>
<p>One thing going for Boston is the amazing opportunities for clinical placements. Boston hospitals are world-class, and there are a number of really good ones. Northeastern is very close to the Longwood area where Harvard Med, Children’s Hospital, Beth Israel, and Brigham and Women’s are, plus Mass General, Boston Medical Center, and the VA are not far away either.</p>
<p>Also as far as cost goes, the Northeastern (or UoP) PharmD is a 6 year program. The other option is 4 years at a UC followed by 4 years in a PharmD program. That is two extra years of school to pay for. So 6 years vs 8 of school to pay for is definitely something to think about.</p>
<p>LBowie…it’s not just the cost of living in Boston, it’s also the travel costs. This is a very low income family who won’t be able to fund flights back and forth.</p>
<p>*Federal Direct Plus Loan: 11,200; Stafford Sub: 3500; Stafford Unsub 2000; Perkins Loan 1500; Work Study: 2000 *</p>
<p>xLefty…what did your mom say when she saw that Plus loan? that would be HER loan, not yours. That is a PARENT loan. Since that loan is for almost her year’s earnings, that would be ridiculous. Plus, she’d have to take out one of these for four years. Would she even qualify. </p>
<p>I think there is your solution. You don’t want to go to UOP, so your mom can’t force you to agree to pay back HER loan. Right??? You can just say, "mom, UOP isn’t affordable. It expects YOU to borrow $11k per year. I won’t be able to pay that back for you because I’ll have my OWN loans which will be HIGH. Since legally, those Plus loans will be yours (that you have to qualify for, UOP isn’t affordable.</p>
<p>And, how ridiculous UOP is for expecting a super low income parent to take out those Plus loans.</p>
<p>And what about aid for the grad school years? What is UOP saying about THAT?</p>
<p>Agreed – airfare will be expensive, especially during peak times like Thanksgiving and dorms shut down during breaks so you either have to go stay with a friend’s family or go home. I would budget a minimum of $500-$600 round trip for each BOS-SFO trip, but it could be more. I think you need to see what financial aid you get from Northeastern will be to be sure it is not affordable.</p>
<p>Yeah, UOP is flat out not affordable at this point. Adding in the fact that the OP is unsure about pharmacy, that school should be off the list, and they’ve solved the problem by gapping.</p>
<p>UCD and UCSC are both much closer to SF than UCSD is. Yes, UCSD is probably a better school, but not so much better that you shouldn’t explore these options closer to home. Have they given you fin aid estimates yet?</p>
<p>Others have covered the financial aid issue.
Another thing to think about is the control issue.
This is the time in your life that generally a parent should start to let go. They should be guiding you to choose a college that is the best for you in terms of what major you have, does the college support that major, reasonable location, cost, etc. But they, in my opinion, should not be dictating it.</p>
<p>Has your mom always been controlling? If so, she won’t just stop. You have always listened to her, she says, why stop? Then when you finish Pharmacy School, I assume you have to do some sort of internship/residency and she will want you do do that near home. THen when you choose a job, she will want that to be near her. And a house and a wife etc.etc.
If she has always been controlling, then it is best to make a break as soon as you can. Although, you have to balance that with the likelihood of her actually paying what ever she is expected to as a parent. How about your dad? Is he expected to contribute?</p>
<p>If this is a new thing for her then it may have more to do with your Dad leaving…she doesn’t want half of her family moving away. Also she may have finance concerns.
You should lay out the pros and cons and finances of each choice including travel and living and everything.</p>
<p>The final thing to keep in mind is that you may not like pharmacy or be cut out for it. Which choice will give you the most options if you change majors?</p>
<p>Remember, she has had her life to live. This is your life to live. You want to remain close with your family but not under her thumb.</p>
<p>I just talked to her briefly again and she is still insisting that I have no choice but to go to UoP. My mom insists that I need to stay close to home in case something were to happen to my grandma or to her and saying how if I leave and go far away, I’m basically leaving the family behind and that I don’t love them anymore which is ridiculous and makes no sense at all. </p>
<p>My mom has always been controlling ever since I was a kid. Even my homeroom teacher who met her only once for a few minutes could tell that she was very controlling. </p>
<p>As for financials, my dad will not be contributing at all. My mom says not to worry about costs but like really though, that’s still an issue which is why I’m waiting for other UC’s and NEU to send me their financial aid packages before I bring it all on the table and show her things. (Also waiting to hear from UCLA which is coming out tomorrow)</p>
<p>UCD and UCSC are closer to San Francisco than UOP is and much less expensive if their aid offers are similar to UCSD. So why does she want you to go to UOP?</p>
<p>"My mom insists that I need to stay close to home in case something were to happen to my grandma or to her and saying how if I leave and go far away, I’m basically leaving the family behind and that I don’t love them anymore which is ridiculous and makes no sense at all. "</p>
<p>So the reality is that this IS all about your growing up and going away to college- and her losing control- NOT about the $$. She is brushing aside the inescapable logic of you going to a better, cheaper college, because she cant bear the thought of you being too far away to control. She’s going to have to get used to the idea, and the only way it will happen is if you DO go to a college that’s as far away as possible. </p>
<p>Dont be bamboozled by her smoke and mirrors, phony arguments for going to UoP when you have much better, cheaper choices. </p>
<p>YOU need to go a college that you CAN afford to go to, especially as she has not “come clean” with the her real financial situation and shown you the amount she actually has in the bank for your college education.
Its time to cut the apron strings.</p>