<p>This year, I'm a Senior in HS with a 4.25 GPA, all AP, 26 ACT, involved in 6 after school activities and a lead volunteer under the Pediatrics department at Evanston's hospital. My lifelong dream has forever been to become a Pediatrician/MD and one day travel and spread quality healthcare to underprivileged areas like that of my middle eastern origins. For as long as I can remember I've wanted to study in NY and I was accepted into all of the CUNY schools I applied to- my top choice as Hunter. I was also accepted into pricier institutions like St. Johns, but I do not want to attend the schools like NYU on sole basis of their tuition costs. </p>
<p>I have an expected family contribution=000000, but since I would not qualify as a NYS resident for the first year I would be paying out of state tuition with the addition of room & board, transportation, food, books, etc fees. In total, it sums up to an extra 19k on top of their out of state tuition (~15k). I am willing to take out as many loans as I am able to, as long as work study, but I am extremely worried that I will not be able to attend my ideal school because I don't have that extra 5k to spare out of my own pockets. I haven't received any financial information from the schools yet, but does anyone know if there is a way around potential leftover costs/ receiving loans or some form of repayment federal aid might not cover? My parents have been swimming in a pool of debt and unfortunately have not appropriated any college fund for me! I have managed to save $ on my own from previous work. Nothing substantial. I appreciate anyone's input greatly :~)</p>
<p>Unless you were accepted into the honors college you will not receive any financial aid other than federal aid $5645 pell grant and a $5500 loan. You can not afford this as you will have to find a fool with a pen to co-sign for you. You are not eligible to borrow what ever you need. I really hope that you have a financial safety in your own back yard so that you can attend college in the fall</p>
<p>Hey, I also applied to Hunter as an out of state student and am really anxious to receive my decision but haven’t yet. It says in the portal that a decision has already been made (since Feb. 1) and that within 2 weeks I would receive a notification but haven’t yet. Just wanted to ask you when you received your admission decision (was it today?) and when you applied.</p>
<p>PS. Sorry I wasn’t any help in answering your question.</p>
It’s also probable you would not qualify as a NYS resident during your entire college career. This is an unworkable solution for you. What in-state schools do you have?</p>
<p>Loyola Univ Chicago awarded me with their Presidential Achievement scholarship, and I was accepted into DePaul’s Pathways Pre-Med program with over half in scholarships. I have my heart set on Ny, but I was told by my counselors there might be away I could work out a solution with loans/work study after federal aid has been determined…? I have not received any financial aid info from them yet, but I think I will try calling the school during operating hours or inquire through email. I appreciate all of your feedback. </p>
<p>I did receive an electronic acceptance letter through email from Hunter, but I am still awaiting their letter. No need to apologize, best of luck to you :)</p>
<p>This most likely is not going to happen. The most that you can get in loans is $5500. If you are pell eligible you with a 0 EFC, you will get 5645. Unless you have been admitted to the honors program, there will be no institutional aid coming. Work study is few and far between at CUNY. The majority of students who work are working non work study jobs (fast food, retail) in addition to going to school. While you may have your heart set on NYC, it is not a financially feasible option. If you don’t have your tuition and fees paid, you will not be registered from class.</p>
<p>"I was told by my counselors there might be away I could work out a solution with loans/work study after federal aid has been determined…? "</p>
<p>What stupid advice from a counselor. Horrible idea, but thankfully not possible.</p>
<p>For you to borrow more than the federal amounts, your PARENTS would have to qualify and cosign for you. Your counselor didn’t know that your parents have bad credit and won’t qualify. They’re also low income so they won’t qualify.</p>
<p>Besides…anyone who wants to borrow a lot for undergrad and will borrow for med school is going to end up with a ridiculous amount of debt.</p>
<p>HOW DO YOU expect to pay back huge amounts of debt if you’re traveling to give healthcare to poor people? WHERE IS THE HUGE amount of money going to come from to pay back those huge debts.</p>
<p>Borrowing large amounts of money for undergrad is a BAD idea. It’s even WORSE if you want to go to med school. And, it’s impossible if your chosen career involves a lot of low paying or volunteer work for underserved people. </p>
<p>You also can’t get residency in NY just by going to school there. Your parents would have to MOVE there. Your parents don’t pay taxes in NY, so you won’t get residency.</p>
<p>anyway, you need another plan since you can only borrow $5500 since your parents won’t qualify for more loans (thankfully).</p>
<p>I previously forgot to mention that I have an older sister currently residing in upper east Manhattan…she lives with her husband and their newborn, and I would want to avoid crowding in on their apartment. If I’m extremely desperate, I would be able to live with them down the road which is where my NY residency might become feasible. I don’t think it’s fair to conclude I am naive. I inquired about studying in the place that has made me feel most inspired growing up. Impossible is not a part of my vocabulary. I will wait and hope for the best; I do appreciate everyone’s feedback. I respect hearing from people with primary experience. </p>
<p>Is anyone aware of how generous Marymount Manhattan is when it comes to aid? I received their merit based Presidential Scholarship, but they are on the pricey side. I am aware that they’re a private institution and might be able to award more than public universities? </p>
<p>Your residency will be based on where your PARENTS reside, not where your sister and husband reside. And it does NOT matter that you would be living with your sister. The domicile of the PARENTS is what matters. You will not likely be able to gain instate residency at all during your undergrad years. In addition, establishing residency WHILE attending college is not usually possible. You are supposed to establish your residency BEFORE you attend…12 months before you attend. This would mean that your parents and you would have needed to move to NY prior to the start of your senior year in high school. </p>
<p>You can fulfil your dream of becoming a doctor with far less cost than an OOS school. This plan you have is not affordable.</p>
<p>"I don’t think it’s fair to conclude I am naive. "</p>
<p>Well, you’re considering racking up large amounts of undergrad debt but also have dreams of med school…AND have dreams of going abroad to spread healthcare to underprivileged. If you have big undergrad debt …and also big med school debt, you’ll be in debt for soooooo long that you won’t be able to leave your US practice to go anywhere. And, pediatricians are amongst the lowest paid physicians.</p>
<p>And, you’re thinking that you can move to another state and get residency. and now you’re thinking that you can live with your sister and get residency. State schools care about where your parents live because they are paying taxes in the state where you have residency. </p>
<p>“Is anyone aware of how generous Marymount Manhattan is when it comes to aid?”</p>
<p>What did their NPC indicate? I don’t think that school meets need so you might get good aid, you will likely get gapped. Your merit scholarship will first get applied to “need”.</p>
<p>New York SUNYs which include the CUNYs are very good about providing full need for in state tuition and fees. For sleep away situations, they don’t even guarantee and rarely meet need for that, even those SUNYs that have a bigger pot of aid. As to the CUNYs, what living arrangements they have that are school associated are very limited and expensive. As for finding cheap digs in NYC, unless you know people, get lucky, it’s a challenge that comes with living there. One really needs to know the nuances of neighborhoods, as it’s not so much that places are too dumpy but there are definite safety issues in some places. </p>
<p>Talk to the school about what one has to do to become a NY resident for tuition purposes. Though some of the local schools may be lenient about part time non matriculating students getting residency, not so when it come to a degree awarding program. It’s up to each school, but I don’t think that if you are a dependent by their definitions which tends to be the FAFSA def (under age 24, not married, not have dependents, etc), you can become a dependent for tuition purposes.</p>
<p>The NPCs are going to be way off for you, since CUNYs (and most all SUNYs) are comprised of nearly all NY residents, and they do get access to TAP monies that you don’t get. That is based on your parents’ income and they do have to be NY residents. </p>
<p>With a $30K nut, and only about 1/3 of that covered with loans and PELL, I don’t see how you are going to make a go of this. You 'd have to have an en gratis place to live and still come up $10K or so, short. You’ll need a metro card for each month, food, books, etc. It can be very expensive living there</p>
<p>The only NYC school that guarantees to meet need is Columbia University for its traditional UG branches. </p>
<p>Unless you get into the Sophie Davis BS/MD program, or get enough grants in your fin aid package/ scholarships, it’s not likely to be worth what it will cost you to do your UG years in NYC. You’ve applied to your schools based on YOUR criteria including the NYC locale. That’ s well and good. Maybe, maybe something will pan out. But now is a time to start looking at some truly affordable options for you without such contingencies attached. Like what is local to you where you live now? Your state options. Schools that have been good to grads from your high school with your stats. IMO, that should be the starting point, but regardless of not starting that way, I advise you to start exploring those avenues and possibilities now. For all the arguments and obstacles against such option, the reality is that the chances are a lot better you find something affordable there than as OOS in NYC.</p>
<p>You all brought up good points. Turns out attending DePaul would nearly be free for me and I couldn’t pass up the opportunity to be in their Pathways Honors Pre-Med/Univ Honors program. I would never have expected this years ago, but I guess that’s growing up! Thank you all again. Good luck to all prospective college kids! NY one day :)</p>