<p>the problem will be that your income is high. When dealing with uncovered medical expenses, first income is considered thru some formula and then if a threshold is met (harder at a high salary) only a % helps reduce the amount you need to pay.</p>
<p>I don’t remember the formula, but it seemed to be something like this:</p>
<p>Possible example (Hopefully, Kelsmom or similar will chime in…)
150,000 income
15,000 10% threshold
19,000 Actual unreimbursed medical expenses
$4,000 exceed threshhold</p>
<p>So, of the $4,000 that exceeds the threshold, some percent of that might reduce EFC (it’s not of dollar pre dollar reduction in Family Contribution.</p>
<p>I agree with Thumper that schools may be skeptical about “overseas treatments”.</p>
<p>thank you thumper1 and mom2collegekids for your informative responses.</p>
<p>Now, when we talk about unreimbursed medical expenses, does it only consider the expenses for the particular year that we are applying for colleges? I was thinking that we can make a case of the medical expenses that we have been incurring over the past few years. I guess that is not an option.</p>
<p>I agree with you, happymomof1 but her argument is she has worked so hard and done decently well enough to go to a 4-year college and not a CC. Apparently, she would not have had to work hard if she was going to a CC?
Just for information, she has taken about 10 AP classes over her 10th-12th grade years – and do you think all 10 AP classes could be transferred to CC if she decides to go there?</p>
<p>I would definitely check out the four year graduation rates of the Cal States your daughter has chosen. Some of them are pretty grim. I can certainly understand if you want to keep your daughter instate for health reasons. Dealing with insurance companies and medical billing remotely from another state could be a daunting prospect.</p>
<p>If she has that many AP classes then a CC probably isn’t right for her at all. My kids only had 7 AP classes (all the school offered) and they had 45 college credits when they started college. You D could have 55-60 and be a junior or practically a junior when she starts college.</p>
<p>I believe the only medical expenses would be ones from 2013. If you have excessive debt from prior years…a school might consider this…MIGHT. Remember, there is no guarantee that a college will even DO a special circumstances consideration. And there is also no guarantee that if they do, it will net you more financial aid.</p>
<p>As noted, a lot depends on the %age of your income. If unreimbursed medical expenses are 50% of your income, that is a very different story than if they are under 5%.</p>
<p>P.S. I’m not an expert on this…but I believe medical schools expect to see college courses,for med school prerequisite courses, NOT AP credits. So while your daughter may have these AP credits, she may find that some will not apply towards her degree, especially courses required for her major, or med school prerequisite courses.</p>
<p>If you have run the Net Price Calculators for her colleges, you have an idea of what your net costs will be.</p>
<p>While you can’t use AP science classes for med school, it doesn’t mean that you have to retake the courses. Med schools let you take the “next higher” levels to demonstrate proficiency.</p>
<p>My son never took Bio I and II or Gen Chem I and II in college. He skipped them with AP credits and took the higher levels. He did the same with AP Calculus.</p>
<p>He was able to use his AP English credits because med schools accepted the Writing Intensive upper division courses that Bama requires.</p>