Your list has 4 CUNY schools plus SUNY Binghamton. Binghamton, Baruch and possibly Queens College are not academic safeties for you. Binghamton is actually a reach because their school of management is highly competitive. If you get in to Bing… you may not get your major.
I believe you will get accepted to Brooklyn College and I am not familiar with York. If you are happy with Brooklyn College … then you are fine.
Your list is filled with a bunch of unaffordable schools… some of which are also academic reaches. Again… if you are happy with Brooklyn College… there is no problem. As far as I could tell… this is your only academic and financial safety.
As long as you are fine with attending one of the six schools that your parents can fully fund…fine.
But please don’t expect schools that do not meet full need to come up with a huge amount of need based aid for you.
Please don’t expect that your merit aid at some of these very expensive colleges will bring the costs to the amount your parents say they can pay.
And remember that any loans above the Direct Loans will need to be co-signed by your parents.
You know…they already have sufficient debt obligations that they can’t help more with college costs. Do you really think asking them to assume more debt load is the right thing to do?
Have you run the NPC for each of these schools? If 6 of them return a net price of under $10k, that’s great. How many of those are academic safeties? It’s helpful to have at least 2 so you have a choice.
OP- if you are likely to get admitted to at least 2 of the schools your parents can afford to pay full freight at- terrific! you may decide to save some dough and trim your list.
the only real safety on your list is York, even then you are not guaranteed the in city rate because you do not live in NYC.
You will be full pay (if you get in at) :
Bing (net cost may be more than what your parents are willing to pay)
Stony Brook (net cost may be more than what your parents are willing to pay)
Baruch (you are not guaranteed in-city rate)
Brooklyn (you are not guaranteed in-city rate)
Queens (you are not guaranteed in-city rate)
You may not get enough merit to bring St Johns into the range of what your parents want to pay , especially if your parents are already paying for your sister. Is the affordability of St Johns based on what your parents are currently paying for your sister? Will they be willing the exact same amount of money for each of you?
most likely unaffordable even if you do get in as you would need the equivalent of a full tuition scholarship to come into the range that your parents can afford (or are willing to pay). With the exception of Northeastern, (which your parents will have to pay their 35k EFC, if that is what it is), none of the other schools meet 100% demonstrated need. Your parents will have to pay the gap in addition to their EFC.
CUNY cost distinguishes between instate and out of state. There is no distinction between living in and out of NYC as far as cost is concerned ( from what I could see).
Annie I am also confused by the addition of FIT. What is it that is drawing you to the school?
I am glad to see that you added Stony Brook. It’s an excellent school. It… along with Binghamton… may be a little more than what you could afford… but I would keep it on your list.
Well I was initially going to apply but then I changed my mind. I want to work in fashion or cosmetics and my major would be either Marketing’s or Public Relations for the other schools. FIT has a good program but I took it off my list because I thought it wouldn’t benefit me. After looking into how inexpensive it was and how successful alumni are Im considering putting it back.
I’ve already applied to all of my schools except the CUNYs, USC, BU, NYU, Molloy, and Syracuse. The application fees are being taken care of so there is no issue in that area. My aunt is being generous enough to pay for them as a gift and she told me to apply to as many as I want, so there is no problem.
Sigh.
OP we aren’t getting the impression you understand FA and the realities. Eg, how is BU still on your list? I ran that NPC assuming 120k income, no assets at all, none, and renting, not owning, your home. Cost? 52k. And assets in home ownership will only make it go higher.
You are not a top applicant to some of those colleges and may not get in, much less get the merit they offer top candidates.
And applying because someone pays the fees doesn’t up your chances. Nor does wanting a cosmetics career make those highly competitive colleges make any sense, at all.
What’s really up?
To make college make sense, you have to approach this *sensibly. *
Molloy: my parents want me to apply.
NYU: my dream school. even if i cannot attend here because of cost or even if i get accepted or not there is nothing that will change me applying
BU & USC & Syracuse: same reasons for nyu except these are like second place.
my parents can afford some fees here and there like CSS (they already paid) and to send my SAT scores. We’re not completely unable to pay plus also i’m working so i help out a little bit.
Actually they do distinguish between in city and out of city and they make the following notation
Just like students who live in NYC, must submit a Certificate of Residency form for SUNY, student who live outside of the city must provide a certificate of residency form from their township on outside of NYC or be charged OOS rates
BUT…please do not try to guilt your parents into taking out more loans and accruing more debt IF you get cceoted to a college with insufficient aid to make it affordable without loans in excess of the Direct Loans.
If you are fully prepared to walk away from an unaffordable acceptance to all of these expensive schools where your parents can not fford the EFC…then fine…apply away,
But at the end of if all…if you get accepted to NYU…with insufficient aid to make it affordable…do NOT try to guilt your parents into taking out huge loans for you. Just don’t.
I wasn’t planning on putting my parents into more debt. I NEVER said that. I inquired about it. No sensible person who cares about their parents would guilt them into doing something like that.