<p>@Waverly - thanks for your post. I saw Michigan listed on a ‘meets 100% of need’ list. While I know that a lot of those schools only do so for incoming freshmen, the consensus seems to be they’re more generous with transfer students than the typical school, too. I actually had no idea that only in-state transfers qualified for FA at Michigan… that’s a useful piece of information.</p>
<p>I don’t have a huge problem being out of step with some elements of a school’s culture. I don’t expect any school to be a perfect fit- what I am seeking is the best semi-urban or urban school that will meet my demonstrated need (even if that means maxed out Stafford loans each year- the qualifier being that I have no cosigner for private loans.) The obvious downside is that the schools which trend in that direction (even if they don’t guarantee it for transfers) are incredibly selective.</p>
<p>I took the SAT 7 years ago I think? I got a 2140. I know that a lot of schools don’t ask for it with such a large time gap (especially if I try and transfer as a junior) but I do plan to retake it in the coming months. </p>
<p>The primary allure (for me) of attempting a transfer after freshman year is: more time to form professional contacts, more time to develop relationships with professors should I choose to move on to graduate school, more opportunities for internships, and the fact that I don’t exactly have a stable, reliable living situation. </p>
<p>I recognize the selectivity of the schools at which I’m looking (though I hope people remind me often so I don’t get too far ahead of myself). But there are a bunch of circumstances- professionally, personally, and most of all financially- that sort of force my hand.</p>
<p>So I plan to attend community college and take a rigorous course load. I aim to achieve a competitive GPA (hopefully a 4.0). My intention is to attempt transfer at the end of my freshman year (at which point it’s very possible I’ll be rejected by all of these schools). My next step would be to do a second year at community college and try to transfer again, as a junior. If I’m rejected then, too, then I wouldn’t really have a choice but to roll the dice with Temple, Penn State, etc. But with no real financial support system (or anyone creditworthy to cosign a loan), anything but a top, FA-friendly school might actually be out of my reach. </p>
<p>I mean, Penn State (probably the ‘best’ school that I think is a realistic aim if I get solid grades at CC), college of engineering, living on campus, in state… something like 30k per year? Consider $5,500 (Pell), $3,500 (PHEAA), $12,500 (maxed out Stafford)… I don’t know whether I’d qualify for every bit of that- though I expect I will with an EFC of 0- or if I’d qualify for anything extra. But given the stuff I’d know I can get, that still leaves a gap of about $9,000? I don’t know. Maybe there are programs- maybe there’s some institutional aid there (though I’ve heard Penn State is stingy with it), or maybe as an independent student I could borrow even more federally. I’m not sure. It’s uncertain, though.</p>
<p>All that said, I of course mean no disrespect to anyone who is interested in one of those schools. I’d be a proud graduate of Temple University or Penn State. If Penn State accepts me and I could afford to go I think I’d be a happy student. But at a school with more generous aid, it removes a lot of the anxiety (and questioning whether I’ll be left holding an AS- almost useless in my field- and no BSc).</p>
<p>Again though, thank you very much Waverly. There’s still a lot I don’t know about this process- I’d hate to stumble into this game plan blindly and then end up being one of those 90+% of students (especially from a community college) who are rejected by top ranked schools. I’m trying to be realistic, and I appreciate anything you could offer towards that end. :)</p>