<p>With an EFC of 0 your pell should be 2500 or so a semester. Are you a Texas resident? If you are and the legislature gets its act together and frees up some money, you should qualify for the Texas grant which is around 7k per year, but even with that, turning down SMU under the full ride you speak about would be foolish. 24K? Maybe…but when you are pushing 6 figures, that number is staggering.</p>