<p>Will I Be Eligible For Financial Aid For An Out Of State College ? Because I dont have that kind of money what so ever to pay off everything on my own .. Will they cover everything ?</p>
<p>Unless you are getting merit $ directly from the school, the only aid that you will be eligible for is federal aid (Pell grants if you are pell eligible and stafford loans). Everything else you will have to pay for on your own. Even if you are extremely low income the most you will get is $5625 in pell (if you are eligible) and a stafford loan of $5500. </p>
<p>How much are your parents willing to pay?</p>
<p>I see that you want to attend a HBCU; unless you are at the top of the applicant pool for some serious merit money, you will get very little if anything in terms of need based aid because they just don’t have the endowment to make it happen.</p>
<p>If funds are limited, why do you want to go out of state? In state schools are usually much more affordable.</p>
<p>Very few out of state schools give generous financial aid (public schools, that is.) There are many that give good merit scholarships, and there are two that meet full need, UNC and UVa.</p>
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Unless you are a top student, no. Some HBCUs do have some good merit scholarships. Some should be listed here: <a href=“http://talk.collegeconfidential.com/financial-aid-scholarships/1348012-automatic-full-tuition-full-ride-scholarships.html[/url]”>http://talk.collegeconfidential.com/financial-aid-scholarships/1348012-automatic-full-tuition-full-ride-scholarships.html</a></p>
<p>It is amazing how many people still think that staying in state is usually more affordable. Many schools value geographic diversity and will pay a premium for students from different parts of the country. By paying a premium, I mean scholarship and financial aid.</p>
<p>The govt supplies about half of al the gift aid offered in the country. The “more expensive” private universities supply the other half. You are only looking at half of the gift aid out there. </p>
<p>Expand your view to private universities in and out of state and you might be surprised with what you see.</p>
<p>It is amazing how many people still think that staying in state is usually more affordable</p>
<p>Because it usually is. For most “average students,” it is.</p>
<p>The exceptions are for kids with high stats. They can get accepted to the schools with deep pockets. Most privates do NOT have deep pockets and they will gap heavily. </p>
<p>The typical 3.0 GPA student with a 1700 SAT isn’t going to get great aid at an OOS private.</p>
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<p>And I think you’re comparing apples and oranges here, daniloum.</p>
<p>There is, obviously a difference between public universities and private universities . . . and the latter may, indeed, offer very generous awards to exceptionally qualified students.</p>
<p>But there is also a difference between in-state publics and out-of-state publics, and the latter most often do not offer students any institutional need-based aid. Merit aid is sometimes available, but that is again limited to students with qualifying GPA and test scores.</p>
<p>So, when a student (such as the OP) posts on CC about needing significant financial aid to attend an out-of-state school, it is absolutely appropriate to advise that student that in-state schools are generally more affordable, as BobWallace did on post #3 above.</p>
<p>Usually, the instate and local options ARE the least expensive. They were in every case for us, 4 times Not to say that things could not have turned out differntly, but each of my kids got a full tuition offer instate and the public state schools offered the lowest costs. We had not desire to stay instate either; it’s just the way it worked out. Some private colleges local to area high school know that they are rich hunting grounds for their classes there, and they know what offers to give what sort of students. Feeder schools of sorts, though the selectivity of the colleges are often such that really most anyone from anywhere can apply and gain admissions to some of these schools. But they do focus on the local schools because that’s where they get most of their students. </p>
<p>For those who have kids with great stats, there are a lot more opportunities, but for straight out list price, the state universities on an in state basis are hard to beat.</p>
<p>It;s also a tough go to send a kid OOS to a school one knows little or nothing about, particularly one not set up for a lot of kids from far away. When you send your kid to a school that has thousands of OOS live in kids , it’s one thing. Some of these schools are primarily commuter or suitcase schools and may not have a lot of the amenities for those who are not local.</p>
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<p>Because… it IS :rolleyes:</p>
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<p>Which works out to UP TO a whopping 5600 (I think that’s max Pell next year). Want to take a guess as to how much of the COA that covers at most OOS and private schools?</p>
<p>Dani, you’ve been giving all sorts of misinformation. What is your agenda? I have no issue with outside opinions but I do have an issue with obvious and consistent misinformation.</p>
<p>Some states give aid to students from families below a certain income level if they attend any college within the state. New York has the TAP which gives up to $5000.</p>
<p>For families that are poor and couldn’t possibly come up with thousands of dollars (or borrow it, for that matter), this can mean the difference between going to college and not going.</p>
<p>
Please tell us which schools?</p>
<p>My “agenda” is to participate in lively discussion and offer alternative view points for the families and students that utilize these posts. Many families solidify their advice on small sample sizes or skew their advice based on their own personal experience of sending 1 or maybe 3 students to college.</p>
<p>What obvious and inconsistent information are you referring to? Does everyone here that expresses talking points always attacked and called into question? Why not let families do their own research and find out for themselves what is true and not true.</p>
<p>It is unfortunate that may people hear something different and automatically label the statement as a lie or some other misguided truth. What I want to know is this…do these attacks help the family posting the question? Or should the family be presented with different points of view?</p>
<p>4kidsdad…</p>
<p>There is a lot of information that I would need to recommend specific schools…but here is where you can start.</p>
<p>Myth…Most students will graduate in 4 years.
Fact…Most students take 6 years…rendering most scholarships and aid offers unable to cover al of your costs
Myth…aid is only offered to exceptionally gifted students.
FACT…properly positioned students are offered great aid packages.</p>
<ol>
<li> Elevate your student. Not all schools are created equal. Find the colleges where your student represents the top 25% of the incoming class. Now this will not work if your student makes straight C’s or scores below a 1000 on the math and reading portions of the SAT. You can’t create competition with this student.</li>
</ol>
<p>The fact is that there are A schools, B schools, and C schools. You can find this out by looking at the SAT score ranges and percentages of the incoming students published by the school each year. Some schools share this info…some make it a little harder to find…but it’s out there.</p>
<p>Look at the GPA and test scores of your student and you will know which schools will likely admit them. If their test scores and GPA put them near the top 25%…bingo.</p>
<ol>
<li><p>Cross reference your college picks with the colleges that meet the most need towards your EFC. There are plenty of EFC calculators on the web if you want to do this own your own. This will help you narrow down the schools that are likely to offer more aid. Call the school and ask them how they meet need. Some schools are very transparent…others are not.</p></li>
<li><p>Have your student do a career search with their guidance team or another individual that specializes in this. Narrow the choices of major to your top 3. Narrow the list of colleges that have two or all three majors. That way if your student changes majors…they do not have to change schools…which can cost you an extra year or two years.</p></li>
<li><p>Cross reference this list with the colleges that graduate a higher percentage of their students within 4 years. Again, the colleges should provide you with this information. I’m willing to bet that most public colleges in state fall below the 25% range. So much for in state being cheaper.</p></li>
</ol>
<p>There are schools that graduate as many as 60-95% of their freshman in four years. WHy not narrow the list to these schools?</p>
<ol>
<li> Narrow the list to 10 schools that your student will go to and that you can visit. As you can imagine…you will have a tough time narrowing this list to 10 schools if you keep your search in state. By broadening your search you will find more schools that will meet your criteria and you can take advantage of any geographic diversity that would work in your favor.</li>
</ol>
<p>The challenge here is time. Some families have it…Some don’t There is help out there and information out there if you are willing to look.</p>
<ol>
<li> Create competition. List all 10 Schools when you submit the FAFSA. Leave your number 1 choice off the number one slot. That is a giveaway for a lot of schools and tips them off that maybe you don’t need a lot of financial aid to convince your student to go there. A lot of families will actually see an increase in their aid offers AFTER they submit the FAFSA because the colleges can now see the other schools they are competing with.</li>
</ol>
<p>WHy do you think that early decision is becoming more and more popular with colleges? They want a commitment so they don’t have to compete.</p>
<p>I hope this presents an alternate view of things. This process works for a lot of families.</p>
<p>daniloum, you’ve said a lot of things on this board that seem to contradict what is commonly said on this board. I think some posters are confused as to what type of authority you’re speaking from, and with all due respect, you’ve yet to back up what you’ve said with examples of schools; surely you can understand why some posters are skeptical.</p>
<p>If what you say is true, it is certainly food for thought. But anybody can come on and post unsubstantiated facts without proof or even examples.</p>
<p>daniloum - I’ll repeat my question:</p>
<p>Which schools have you found that issue financial aid offers BEFORE the FAFSA (or Profile) is submitted?</p>
<p>Emory University</p>
<p>From the forum guidelines…</p>
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<p>From the Emory website:</p>
<p>Students Whose Files Are Complete By March 1st Will Receive Online Award Notifications Prior to the May 1st Admission deadline.</p>
<p>I think daniloum’s advice about finding a college where you are in the top 25% of applicants in order to secure merit aid is quite worthwhile–but it has been repeated on this forum over and over. In fact, right there in Section 4 of the FAQ’S post at the top of the forum it says:“Merit scholarships are generally given to those whose stats are within the top 1-25% of the applicant pool.” Of course many students and parents are not happy with the idea of attending a school where 75% or more of the student body is weaker academically, so this approach can be a hard sell.</p>
<p>I’m less convinced by daniloum’s advice to limit oneself to colleges where most students graduate in four years. I believe that the number of years a student takes to graduate has far more to do with the student’s own diligence and indecision about a major than with the school itself. (The exception would be some public institutions–those in California seem to be the ones we hear about the most–where it can be difficult to take all the courses required for one’s major because many are offered infrequently or are oversubscribed.) My kids knew we were paying towards four years of school and not a day more, and not surprisingly they managed to adhere to that schedule. I didn’t know or care how long it took anyone else to graduate. Some of those 5th and 6th year undergrads are simply slackers, and of course less rigorous schools will have a higher representation of that cohort. </p>
<p>I’ll also quibble slightly with the advice to select a school that offers a student’s top three majors. Most high school senior have a hard time focusing on one preferred major, much less three, and many change who they are and what they desire significantly during those first two years of college. So I’d recommend selecting a college that offers a very wide range of potential majors. My D ended up with a major she never would have dreamed of while she was in high school, and she’s not unique. </p>
<p>
Families can do a tremendous amount of research right here on CC’s Financial Aid forum, starting with reading the FAQ’s and continuing with posting one’s questions, with the assurance that many incredibly helpful and knowledgeable individuals, including at least one financial aid officer, will reply promptly–and they don’t charge!</p>
<p>Since the original poster hasn’t come back to respond, I think we can end this discussion.</p>