Financial Aid - Public vs State University

<p>My USA Citizen daughter currently in India studying XI, is planning to do undergraduate study in USA university after XII (University of Cambridge A-Level). She will apply for the term starting Fall 2014.</p>

<p>I will be moving to VA/MD in June 2013, more than one year in advance to qualify for In-State tuition fees for State University and will also help her applying for University here. My daughter will complete her XII in India and will join me in August 2014.</p>

<p>I understand that applying for Financial Aid will have Negative impact on her Admission Selection. </p>

<p>I am planning to apply in State univerity without Financial Aid (As I will qualify for In-State tuition fees) and to Public University with Financial Aid. At least it will help securing her admission in State University.</p>

<ol>
<li>Is it good strategy?</li>
<li>Does State University gives Financial Aid?</li>
<li>Should I apply for Financial Aid for State University too?</li>
</ol>

<p>Thanks in advance for your valuable feedback.</p>

<p>Where did you get the idea that applying for aid would negatively impact your daughter’s admissions chances in VA provided she can be considered a state resident? I really doubt that would be the case. If she needs the aid, she needs it. It would do her no good to be admitted and then not be able to afford attending. Most aid at most of the VA universities is federally determined aid anyway, and that money is not coming from the universities themselves. </p>

<p>If you have the freedom to choose where you will be living when you move to VA,you could also plan your location there so that at least one of the VA universities is within commuting distance for your daughter. She might not like having to live at home, but that is another thing that would lower her expenses.</p>

<p>FIrst of all, most colleges in this country, nearly all of them, are need blind in terms of admissions for US citizens and permanent residents. It’s when you are international, that it can make a difference at a number of schools as to whether you have need or not. International students are not usually entitled to federal and state aid, and have to show that they can pay their way to get visas necessary to get into the country. Your DD is a citizen, so except for a small number of colleges, it won’t matter if she has need or not.</p>

<p>Do look at the rules of the state universities you are considering to make sure that your moving here as an international, leaving your daughter abroad will indeed entitle her to in state rates. Colleges individually make their own rules about who is entitled to in state tuition, and those rules do not necessarily match what the state considers “in state” or other colleges even within the same state. Getting in state status at our local SUNY is a piece of cake. They don’t care or even verifiy. At BInghamton, or Penn State or UMD or UVA, it’s a whole other story. They do care and look into it very carefully. </p>

<p>YOU are not applying for anything. Your daughter is and when SHE deals with the universities and fills out the forms, that should be clear. Most selective universities do not like to see the parent orchestrating the whole show. Are you planning to stay in state while she completes her studies? A lot of schools do determine the residency of the student by where the parent lives. There are threads, one that was recently featured, discussing that. Moving into a state a year ahead of time, establishing residency and then moving is not permitted and is fraud. THis is a tough situation many families face with a kid at State U, and the family has to move. The student is often then considered OOS for tuition purposes. And, yes, there are always people who commit fraud, cheat, steal, kill…yes, that is the case.</p>

<p>I think you are mixing up the British terminology in using the term “public”. State universities and colleges are all public schools. They are designed to primarily benefit those families living in that state and paying state taxes which carry part of the costs of the school. Therefore those students living in that state get a discount on the costs, paying in-state tuition for those public colleges and universities in their state. If the student chooses to go to an out of state public school, that student has to pay the out of state rate, which is more. Usually, in state kids get some preference in admissions and for financial aid at their in state schools.</p>

<p>If you move to Virginia, the public schools in Virginia will be in-state to your DD if you meet their individual requirements for their definition of in-state for tuition purposes. The public schools in Maryland and any other state will be Out Of State, (OOS), for your daughter in most cases. Some exceptions would be agreements some states have with others or if you DD gets a scholarship that gives her in state rates even if she is considered OOS. </p>

<p>Then there are the private schools. They tend to cost the same for anyone from anywhere (sometimes there are exceptions but that is rare) whether they are in state, out of state, out of country. They also tend to be more expensive. Usually the public schools, even if they are OOS, are less expensive in tuition costs, thought there are, again, some exceptions. There is a group of these school that admit to being NEED AWARE in admissions, which means, that if you have financial need, it can affect your admissions chances. Those schools that are openly need aware, tend to meet financial need to those they accept, but they control how many students they accept that have need and how much. Some of these schools are highly rated, are highly selective and highly regarded. It is a relatively small group because most colleges in this country cannot and do not meet financial need. It’s a “too bad, so sad, your problem to get the money” response if your student’s need is more than the college can give. Some colleges basically give nothing, zero of their own money towards a given student’s financial need. </p>

<p>Those schools that are need blind in admissions AND guarantee to meet 100% of need (as they define it) can fit on a very short list and include Harvard, Princeton, Yale, the rest of the Ivies, Amherst, Williams, Stanford, Duke and a number of other such schools. Schools like Johns Hopkins, Gettysburg, Wash U St Louis are need aware in admissions, though they do tend to meet most of a student’s need if and when accepted.</p>

<p>THe sad fact is that except at a few colleges that do have the funds, and do tend to be highly selective, there is not enough money to meet need for college. FAFSA generates a number called the Expected Family COntribution (EFC), and that only guarantees those from families of very low income only up to $5K or so in grant money which is a drop in the bucket of what it costs for a student to go away to school. It also allows the student to borrow as a freshman up to $5500 from the government. Much more than that comes from the states themselves or the college itself. THe colleges are the source of the bulk of financial aid</p>

<p>Your mere presence in VA/MD is not enough to for your daughter to be considered in-state (especially if she is not attending high school in that state). </p>

<p>Virginia specifically states that </p>

<p>

</p>

<p>Make sure that you fully understand the requirements for obtaining residency/domicile in which ever state you plan on establishing residency.</p>

<p>

</p>

<p>For example: William and Mary asks for 2 years of information</p>

<p><a href=“http://www.wm.edu/offices/registrar/documents/tuition/domicile_application.pdf[/url]”>http://www.wm.edu/offices/registrar/documents/tuition/domicile_application.pdf&lt;/a&gt;&lt;/p&gt;

<p>for UVA</p>

<p>

</p>

<p>UMD is also tough that way. We know a family who could not get in state status for som–I don’t remember the particulars, but it seemed to me that it was ridiculous, but that was the way the school operated.</p>

<p>This thread: <a href=“http://talk.collegeconfidential.com/parents-forum/1378818-maintaining-state-residency-after-relocation-3.html#post14766376[/url]”>http://talk.collegeconfidential.com/parents-forum/1378818-maintaining-state-residency-after-relocation-3.html#post14766376&lt;/a&gt; may have useful information for the OP.</p>

<p>What do you mean…Public vs State???</p>

<p>Public univs ARE state univs…they’re the same thing. </p>

<p>the only issue is whether you’re “in state” for a public/state univ or “out of state”. If you’re OOS, then you pay OOS costs.</p>

<p>Public/state univs are typically “need blind”. The Admissions Office usually has no idea of what your need is.</p>

<p>If your family has determined that you want a US university-level education for your daughter, and you are able to move back to the US to live and work, it may be best overall to move here with your daughter now - or at least as soon as possible. She would then have at something approaching two full years in a local school system where the guidance counselor can help her through the college application process.</p>

<p>From Sybbie’s post, if the OP isn’t a citizen or PR, then moving to the US doesn’t necessarily pave the way for “instate” status.</p>

<p>However, Op’s daughter is a citizen. I agree with Happymom that it would be in their best interest to come now so that D has 2 years in the school system. The challenge would be how Op intends to support herself once she gets here I order to establish domicile in state</p>

<p>Right…but if the OP’s D attends high school elsewhere, she won’t likely be considered a state resident just because a visa-holding parent is living here. </p>

<p>I agree that the D needs to go to high school here to establish residency.</p>

<p>However, is the parent going to LIVE here for a long time, or just temporarily while working? Is the parent going to still have the main home in the home country where the other parent lives? </p>

<p>It may appear that the home country is the “residence” and the US home is just temporary housing for a temp job position.</p>

<p>Thanks for all the feedback.</p>

<p>Sorry. I mean Private vs Public (State University).</p>

<p>cptofthehouse,</p>

<p>I am a USA Citizen too. I moved to India (2006) for personal reason and Now i am planning to parmanently move back to USA for my daughter’s education. I was in VA and MD before moving to India and depending on the Job, I will either stay in VA or MD. </p>

<p>sybbie719, As said above, I will be the domicile of the state with hearts and will establish residency.</p>

<p>happymomof1/sybbie719 , Great advice to move now. Surely give thoughts. I hope my personal situation allow to move in short duration. As said above, I will establish the State Residency with buying property, Driving License and other documents.</p>

<p>Is the other parent moving as well?</p>

<p>Keep in mind that the privates that give the best aid will include the other parent’s income/assets info as well for FA consideration.</p>

<p>Don’t know if UVA does as well.</p>

<p>mom2collegekids,
Other parent will move with the kid. Thanks.</p>

<ol>
<li>Do State University gives preference to In-State students for freshman admission?</li>
<li>Do we have to mention in the application form, whether Student is In-State OR Out-Of-State?</li>
</ol>

<p>1) Most state schools give a preference to instate students. Some are req’d by LAW to do so. Some are legally bound to accept no more than XX OOS students. </p>

<p>2) When you apply, your residency is stated. There’s usually a question about whether you’ve resided in the state for the previous 12 months. </p>

<p>As to the earlier post…it sounds like you’re married and your spouse will be coming too. Since you are married, then both incomes (if spouse works, too) will be considered by all schools.</p>

<p>Yes, most state schools give preference to state residents. Some have to do so. UVA, Wm&Mary, have to watch those numbers because the state laws require them to have a certain percentage of in state students. U Michigan, the same. So does UNC-CH. UMichigan got into a whole lot of trouble for accidently going over the quota one year. So, yes, for certain schools it is crucial that they do watch. Also certain awards go to instate students only. Sometimes they are restricted to those students graduating from an in state high school. So when you apply as an OOSer, you can be at an advantage AT THOSE SCHOOLS WITH THE MOST NAME RECOGNITION, as a rule. Eastern New Mexico State COllege, could not care less, and might welcome the extra revenue that the OOS designation brings. Some of such schools will give OOS waivers for those with the right numbers. The more competitive the admissions scene is at a school, the more these factors come into play, is the general rule. As you might expect.</p>

<p>That you are a US citizen means that you are eligible for Parent loans through the DIrect Loans program. </p>

<p>Though FAFSA only wants custodial parent and spouse’s information, most schools that use PROFILE want non custodial parent and spouse’s info as well. That you did not file a tax return is not an issue. FAFSA and PROFILE want income not on the tax return as well. If selected for verification, a lot of your financial records will be examined. Because a number of these schools do have international students, they do know what sort of financial systems exist in other countries. My son’s friend who is from Korea was astounded at what the colleges wanted to know in terms of his family financial situation when he applied for financial aid.</p>

<p>Thanks mom2collegekids, cptofthehouse.
I was planning to move to USA latest by June 2013 considering the fact that, I will complete one year to qualify for in-state tuition fees. I started this discussion to qualify for in-state tuition fee and now it takes me to in-state admission privileges. </p>

<p>To extend benefits of the higher education, State University gives preference to in-state students. Admission Committee classified students into in-state and out-of-state students for the purpose of admission to the State University at the time of considering application for the Admission. </p>

<p>Admission committee will look at my daughter’s application around Jan/Feb/Nar 2014 and if I move in June 2013, I have not completed one year and Admission Committee will classify her application as Out-Of-State student. </p>

<p>State University gives preference to in-state student but she will NOT get in-state educational privileges. </p>

<p>Do I have to advance my move to January 2013? (for in-state admission privileges)</p>

<p>College Confidential members are very useful and have great advice in all situations….</p>

<p>Looks like you may have to come to the US sooner.</p>

<p>you’d have to look at the apps to see what they say.</p>

<p>They might ask, at the time of submitting that app (not when its reviewed), if the STUDENT (and/or parent) has been living in the US for a year. Apps often gets submitted in the Fall, so that could also be an issue since you would have just moved to the US. </p>

<p>Your D may have to take a gap year for her residency. </p>

<p>BTW…there may be another issue. Since your D will be living with the other parent for a year, you may face the same problem as one of my H’s colleagues did. He and his family lived in Florida. He got a job in our state, so he moved, got his license, etc, got a home here, etc. His wife and child stayed in Florida, in their home there, while the child continued school.</p>

<p>When the child applied to the state flagship here, she was NOT given instate rates, even tho her dad had lived her for 2 years.</p>

<p>When people have recently moved to a state, often the family does not meet residency requirements at the time of application. However, if the family has met those requirements at the time classes actually start, the student’s tuition bill will be adjusted accordingly. Every public college/university has a process for appealing the decision about residency status.</p>

<p>Happymomof1, yes. For tuition purposes, the OP may be able to get instate rates for the student, though even that is up to the individual colleges rules on that issue and how they enforce it. But if a student is applying to a college and the parents are not yet living in that state or have not yet lived there the requisite time period to be considered in state, that student will be put in the OOS pool for admissions. At certain selective colleges, it can make a big difference in admiision, like whether or not the kid gets accepted. You gotta get in before you start discussing the tution rates.</p>