<p>I have been looking at going to Temple University in Philly. I live in New York so i was wondering what I can do for financial aid. The cost for out of state tuition and fees is 22k and for room and board is another 9.5k. My EFC is 0 but I'm still worryed that I'm not going to be able to afford all the costs.</p>
<p>Temple is a public university in PA. They do not meet full financial need for accepted students. Most of the aid they give is federally funded. If you choose to apply to Temple, you should also have a financial safety school in your applications as well…in case the finances don’t work out for you as an out of state student.</p>
<p>I do. The thing is, I’m transfering and there is only two state schools in New York that have my major. I got into them but not into my program that i need to get into for my major but at Temple University I got into the program.</p>
<p>I really doubt that Temple is going to be affordable to you. You’re OOS and you’re a transfer student. both of those are working against you.</p>
<p>You will probably only get a 5550 federal student loan and a 7500 student loan (about $13k). That’s not enough to cover the $32k+ to go there.</p>
<p>You have to understand that publics can mostly only help their own instate students. There would be little point of charging out of state fees if schools were just going to hand out need-based aid to pay for those extra costs. Right? The PA taxpayers aren’t going to spend their tax money to help pay for an OOS student’s education costs. I’m sure that you can understand that.</p>
<p>You need to find out from your instate schools what you can do to get into their programs.</p>
<p>So I would be killing myself with debt even know I’m only going for two more years of college?</p>
<p>(correction…I accidentally wrote $5550 student loan…that amount would be a grant)</p>
<p>However, you’d still have to borrow too much.</p>
<p>And, YOU can only borrow $7500 per year. to borrow more than that, you would need co-signers. </p>
<p>Even so, the school costs about $33k per year when you include books…that would mean borrowing a total of at least $25k per year. That’s $50k for two years…tooooo much debt. (do you have any debt from your first two years)</p>
<p>You need to contact the schools in your state to find out how you can get into their programs for your major.</p>
<p>What is your major?</p>
<p>I went to a community college for my first two years and aid payed for it all, so this is why this is all new to me. </p>
<p>I’m an athletic training major and the only state schools in New York that have the graduate program is SUNY Brockport and SUNY Cortland. Their is some other private schools in New York that have it like Ithaca College.</p>
<p>In Brockport and Cortland you have to fill out an 8 page application for the program. When I visited Brockport they told my class that 100 kids applied last year and they only took 12. So I might be sitting around the school waiting to get in the program and because I’m done with my prerequisite classes and I might end up being there for three years and having to pay anyway.</p>
<p>Did you get your finaid package from Temple yet? Do you have any loans that you took out for your first two years? Do you have to live on campus? Can you pen to paper and figure out exactly what it will cost you to attend Temple? As someone says, your ability to borrow money is limited, will you have help with your tuition or a credit worthy cosigner?</p>
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<p>I’m confused…are you looking for undergrad programs or the POTENTIAL to be accepted to a grad school program?</p>
<p>*I’m an athletic training major and the only state schools in New York that have the graduate program is SUNY Brockport and SUNY Cortland. Their is some other private schools in New York that have it like Ithaca College.</p>
<p>*</p>
<p>thumper is right. Why are you only looking at schools that have the grad program? Do any of the other SUNYs have that degree (or close to it) as a BS degree? </p>
<p>Right now you need to finish your BS. The grad programs at those 2 school may accept BS degrees in other majors…find out if they do. If they will accept BS degrees in other majors, then go to a school where you can complete your BS in an acceptable major. </p>
<p>Find out if those 2 SUNY grad schools will accept those who majored in kinesiology or similar.</p>
<p>You have to consider that a grad program in Athletic Training may NOT have much “free money” to offer as financial aid, so you may have to borrow a good amount of money for those years. You need to minimize undergrad debt.</p>
<p>I see what your issue is. I don’t know how valuable this program is going to be for you, but it would have to reap some big financial rewards to make up the difference between going to Temple U and a SUNY. You have TAP, plus the low SUNY tuition, plus you don’t have an OOS premium, here in NY. You may even be able to find a SUNY or CUNY to which you can continue to commute. In PA, you would have to borrow the difference which would come to about $30k over those two years. You have to work out the numbers and see if it is worth that kind of money.</p>
<p>Temple is not likely to offer you any grant money. You can see if you are an exception, and if you get some grants, enough to fund the difference or make it doable, great. But do start thinking of alternate plans if this does not happen.</p>
<p>I meant undergraduate. Sorry. I’m still trying to get my BS so i’m only looking at schools that have those programs.</p>
<p>I have no loans from my first two years and everything is payed for, I would have to live on campus, and I have a credit worthy cosigner.</p>
<p>Abrightlamp, the concern is more in your ability to repay the loan, than in getting it. Is this BS going to give you that much more money after graduation that you can repay that premium that you are going to have to pay? Calculate what that monthy payment is going to be. </p>
<p>Yes, you have a bit more leeway since you did not take out loans from your first two years. However, it’s the total amount that you are going to have to pay regardless of when you take out these loans. </p>
<p>If the total cost to go to Temple is $32K, you are going to have to borrow about $27K each year to go there. That means you will owe over $50K when you get out of school. Your payments will likely be about $500-600 a month for more than 10 years, and maybe more depending on the interest rates of the ancillary loans (outside of Staffords). That’s a lot of money to pay back. Is that degree worth $50K to you? Your family is not likely to be able to help you since they are not rolling in money. Also when you get out of school, you are going to have all kinds of other needs in making that transition to the working world. Having that $50K around your neck is going to some choke hold. My kids are barely making it with no loans and with some help from us. In real life $50K looms large.</p>