<p>Instate Texas med schools (like many public med schools) may be cheaper than privates, but the COA is still about $40k per year NOW. My the time the OP would be in med school, his four years will easily cost $200k…which he must borrow. That is the point. </p>
<p>And, I think the OP is instate for New York, not Texas. The COA for SUNY Upstate med school is about $40k per year (at the current price). Not high for a med school, but certainly not cheap. You’d still have to borrow about $200k by the time you went there.</p>
<p>Public med schools are cheaper than privates, but they STILL cost a lot. Of course, if you go to an OOS public like UC San Fran, it would be very expensive for you. </p>
<p>Do NOT just look at med school tuition. Med school books and supplies are VERY costly AND you’d still need housing/meals to add in. </p>
<p>With your stats, you could have gotten free tuition at some schools. You might want to contact Miss St or LSU and see what they would give you. I’d also contact Marist.</p>
<p>Is there a SUNY that you could commute to? That would probably be your best bet now.</p>
<p>I’m still confused…why are you getting your acceptances NOW…mid May? Please clarify. If you are a transfer student or got accepted off of a waitlist, financial aid might be more limited for your.</p>
<p>I’m not sure how you would “negotiate” with Canisius. They do not guarantee to meet full need as Rice does. Their institutional merit funding for grants and scholarships and such could well be exhausted by freshmen applicants and returning students who have met the criteria for renewal of their awards.</p>
<p>I guess I’m concerned that this negotiation is happening NOW…instead of before May 1 which is the typical matriculation choice date for Rice students anyway…don’t know about Canisius.</p>
<p>OK…I answered my own questions. The above quote indicates that the OP is currently a freshman at Rice (must have applied ED LAST year) and the application to Canisius is a transfer application.</p>
<p>That being the case…I again say…you can ask them to reconsider your financial aid award. BUT typically, transfer students do not receive awards that are as generous as for in coming freshmen…and Canisius does not guarantee to meet full need.</p>
<p>I do NOT understand why any parents with $50k in debt and only $90k in income would allow their child to apply ED? That makes no sense to me. </p>
<p>I’m a little annoyed with the parents here. They had to have known that they couldn’t afford to contribute much. They should have encouraged this child to apply to some big merit schools. With his stats, he could have gotten a lot of big scholarships.</p>
<p>Neither Rice nor Canisius is affordable. The only way Canisius will be affordable is if they cover the EFC with huge merit, which is unlikely at this point.</p>
<p>Again, with his 1400+ SAT (M+CR) he could have gotten big merit from some schools.</p>
<p>edited to add…cross-posted with Thumper. Oh…the student is ALREADY at Rice? how did he pay his $20k shortfall this past year?</p>
<p>Why do people post up questions and then give out deceptive information? No one can help them if they don’t know all the relevant circumstances.</p>
<p>I don’t think the OP was deceptive…the information was just incomplete. Financial aid for transfer students is very different at some places than for incoming freshmen. </p>
<p>It appears that the OP is currently an enrolled student at Rice who is considering a transfer to Canisius (is that correct OP?)…if the finances work out.</p>
<p>I will say again…I don’t see a big difference in the loan amounts required at either school…they look the same to me. If the family can’t pay at one school…then they can’t pay at the other. Amounts are about the same.</p>
<p>Good question sylvan. There is a poster (not this OP but some other poster who keeps making up new screennames and giving deceptive info) who keeps coming back with the same questions and posting multiple times. And then gets really mad and nasty and sends rude and threatening messages front and back-channel when he’s identified and gets banned again, then “promising” to keep coming back until “he gets his question answered” (which has been asked and answered a million times, though the poster keeps changing his age, stats, school and transfer options and reposting). Go figure.</p>
<p>The OP is an incoming freshman at Rice, not a current freshman. He posted this in the Rice Forum:
</p>
<p>Not sure why Canisius is in the picture now, or why he never withdrew his application there. The story smells. I agree with sylvan – how can a poster expect useful help if they don’t tell the whole story?</p>
<p>Oh dear…I do hope the OP can clarify this situation. Are you a freshman looking to transfer to Canisius or are you a current high school senior who was accepted ED to Rice but is now looking at Canisius too. </p>
<p>ohhhh goodness, the amount of comments that pop up during the time i go to church!!</p>
<p>ok, sorry let me clarify.</p>
<p>I amm an incoming freshman to rice 14. yes i had to withdraw those applications for Harvard, rochester, and boston. BUT, since rice would not negotiate well enough like i thought they would, i got really screwed over by this and i decided to apply to some colleges that still accepted applications at this time. Canisius is one of them, and i think i can still apply to most suny schools, preferably suny geneseo or binghamton.</p>
<p>im a senior in high school who was accepted ED to rice, realized they weren’t going to help me as much as i thought, so now im looking at canisius too.</p>
<p>SUJ…BEFORE you sent out other applications…you needed to notify RICE that you were not accepting their offer of admittance because the finances didn’t work out. Then you could have, and should have applied to other schools.</p>
<p>From the sound of your OP…it sounds like you accepted Rice’s ED offer…and THEN also continued to apply to schools. Unless you have withdrawn your ED matriculation to Rice, you are in violation of the ED agreement you signed with them.</p>
<p>i know i made a mistake in the application process back then. it was complicated, and for personal reasons i did what i did.</p>
<p>but now things have changed and im the middle of everything. I told rice i will withdraw my matriculation, but it all depends on these colleges im applying to now. some college now has to give me a better financial deal and then ill finally be set.</p>
<p>I would prefer to not hear what I should have done or what i did wrong, because im already aware of all that. Rather I wanna know what i can do now, please and thank you</p>
<p>Well…as posted before…your family will need to assume the same amount of loans at either school. </p>
<p>I do not believe you will see an increase in your financial aid award at either school…certainly not Rice where your need was met AND you have made a commitment to attend. AND likely NOT Canisius either…they don’t guarantee to meet full need…and they haven’t.</p>
<p>You will have large loan liability if you borrow this amount every year. That is a decision you will need to make with your family. You (the student) will NOT be able to secure almost $20K worth of loans per year without a cosigner. So…you need to discuss this with your family.</p>
<p>Geneseo and Bing both are terrific schools. We know premed students at both. BUT it’s getting a bit late to apply there for fall admittance. I don’t know if they are still accepting applications or not. Call and ask.</p>
<p>Am I missing something? It looks to me like you will have to take an additional loan (PLUS) for about $20K regardless of whether you attend Canisius OR Rice. Are you withdrawing your decision to attend Rice?</p>
<p>Before you make any other decisions, you need to find out whether Bing or Geneseo is even ACCEPTING applications. At this late date, the only aid you are likely to receive from them is a Stafford loan in the maximum amount of $5500. Will your family be able to pay the balance of your educational costs at one of the SUNY campuses?</p>
<p>What happened to your decision to attend Rice? </p>
<p>At this point, you may find that your SUNY options are a bit more limited than they would have been if you had applied earlier to these schools. I don’t know for sure which SUNY campuses are still accepting applications for the fall term. You need to find this out.</p>
<p>And you need to have a plan for paying the college bills regardless of where you matriculate. I think you need to work on this FIRST, then figure out where to apply to and attend school.</p>
<p>And I know you don’t want to be told…but <em>I</em> believe that if you do not plan to attend Rice, it would be nice if you let them know so that some lucky person who WANTS to go there can be called up from their waitlist. And…it will release you from your ED agreement with them. THEN you can apply to other schools.</p>
<p>Did you accept aid from Rice yet? If so…you will need to deal with that BEFORE you accept anything from another school. You cannot, for example, receive Stafford loans from TWO different schools…you can only attend one…and receive the loan for the one you are attending.</p>