Going into debt because of personal safety? Wise choice?

<p>Well, RISD is an excellent school.</p>

<p>What is the cost of attendance for one year in-state and three years out-of-state for North Carolina? </p>

<p>Did you get admitted to SCAD or other schools? Right now you seem to be getting pushed between a rock and a hard place, either signing up for multiple years as an OOS student, or an expensive education at RISD that would leave you in significant debt, and your folks in significant debt. (Because you, personally, can’t possibly take out enough in loans to pay for RISD.) How much are your parents willing and able to contribute to your college each year? What was your federal EFC?</p>

<p>NCState: Around $110k altogether (I’d have to take out $30k in loans total)
RISD: $200k+ ($92k in loans with a $8k scholarship/workstudy per year total)</p>

<p>I was accepted into SCAD but decided not to attend. I was also accepted to MICA on a half-tuition scholarship ($30k in loans total… because my parents are willing to pay all my expenses freshman year until I get onto my feet).</p>

<p>My parents are willing to pay $20k/year for me to go to college. If I was instate all four years I’d graduate with no debt, but with OOS I’d have to take out loans. My Federal EFC was extremely high this year… $40k, which is… twice as much as my parents can afford. (Probably because my parents liquidated their house a few years back and are going to buy a new one soon, but all that cash in the bank cranked up my EFC a lot). It also means that even if I had been accepted to an all-need-met school… we’d still be owing money.</p>

<p>The truth is I really don’t look forward to living in NC for four more years… a stupid reason not to like a great school, but it’s what I think. My family is originally from New England anyway, so I’m pretty much a Boston girl. My parents really liked MICA until they started obsessing over Baltimore and it’s horrendous crime rate. </p>

<p>My current plan is to attend MICA for a few years, see if I like it (and the city…), and if I don’t, try and transfer to RISD and pray my art has improved enough they’d be willing to give me more money (I don’t know their acceptance rates for transfer students, but I know it’s possible)… or if I run out of money try and transfer to UMASS Amherst and just get my degree in something (hopefully some credits will transfer… I have AP credits to help back me up just in case.)</p>

<p>[A note… my parents are very Asian and do not believe in community college. They barely believe in art college and only art colleges with Big Names.]</p>

<p>Well, you personally can’t take on much more than Stafford loans, so that is a significant limit right there.</p>

<p>Is MICA $30K in loans total over 4 years? That’s doable, but doesn’t it still require your folks to chip in the $20K a year, which they might be unwilling to do because they think it is unsafe?
It sounds like very, very few community colleges have art programs of the caliber you appear to qualify for, so that doesn’t sound useful.
Have you done a sample calculation of what your federal EFC might look like after your folks buy their home? Looked at the RISD threads and gotten a feel for what kind of aid RISD offers students with that approximate EFC? Maybe this is mostly a one year problem, and if your folks are willing to pay for RISD this year, the situation becomes more manageable next year. I’m uncomfortable saying that, because it is really contrary to my general approach to things, but if they won’t support you going to MICA, and you’re going to end up being considered out-of-state for three years in North Carolina, your folks have pretty well put you in a box. </p>

<p>My gut feel: if you can make RISD work for next year, do it. Yes, your folks may be out a bunch of money (But they’re kind of bringing the problem on themselves.) By February or so of next year, you’ll need to work through the FAFSA/Profile stuff (even earlier if you can do estimates) and try and get your folks to give you assessments of what looks possible for financial support for the following years. At the same time, you may need to apply to other schools – but I am assuming that transferring FROM RISD would probably not be much of a problem since they’re one of the premier design schools. </p>

<p>All in all it is still an ugly picture, and I’m really sad for the several students whose families are moving – I know it probably wasn’t intentionally to complicate the college residency situation, but it definitely makes it a mess. And good art schools are few and far between.</p>

<p>I apologize since I don’t know much about NCSU and it’s program so I could be off base.</p>

<p>My choice would be MICA. It was my 1st choice over 30 years ago for me. However, like the OP, my parents were Asian but poor. They forced me to take the full ride instate scholarship. I did 1 year at a state school as an “art major,” saw what the courses were like (not comparable to art school ones) and transferred into a decent art school (not MICA-I lost my $ upon enrollment at that state school) at 1/2 scholarship. I paid back my loans in 10 years.
As stated, good art schools are few and far between. You will not learn the same stuff needed to compete in the world upon graduation, and the competition is fierce in art schools. Needed for when you launch into the outside world. Years later, your portfolio will speak for itself, but the design school degree definitely opens up doors for the early job hunt. I trust that you have talent if you got in where you said you did. If you borrow that unGodly amount for RISD, you’ll find it difficult to repay upon graduation (considering your major) despite RISD being in the top art schools category. I know. I was an Illustration major who went into design for 30+ years. Design jobs are easier to find rather than illustration ones. Most illustration is freelance.</p>

<p>arabrab: Yes, it’s $30k after all fours years, but only if my parents help me pay for it. They’ve agreed to help with me with $20k/year with any college I choose, but with RISD they were saying they’d be willing to shell out $30k/year and take out parent PLUS loans which I have to pay back. </p>

<p>The thing with that is that all the debt essentially gets ridden on my parents for four years instead of me… good for me in a bit, but I don’t want my parents to dig themselves into that kind of hole. They still have my brother to worry about after I graduate, so taking in those substantial debts would make things really difficult for him. </p>

<p>I know from talking to RISD students and looking on forums that RISD is notoriously stingy… they tend to give a few sparse full-scholarships to a few select students and give everyone else essentially nothing, even with high need. A girl I knew with a really low EFC managed to snag a $8k/year grant and a $10k/year scholarship, but that was only because her parents weren’t willing to pay a cent. Even with that she’d still end up owing more than $100k in loans. </p>

<p>My family hasn’t managed to stay put in an area for more than two years for the last six years… by the time I started high school I’d doubted I’d be able to get in-state anywhere I go, since the likelihood that we’d move again was so high. The importance of my college education/problem was actually put down low in the priorities, so my folks didn’t even think about it until I told them up front that I’d be unable to get in-state tuition because of their moving about. I know they can’t really control their moving (they move because of my Dad’s job) but it is frustrating. </p>

<p>Hopefully things will look brighter no matter where I attend because my EFC would most likely decrease. That, and I need to apply to scholarships again like mad and cross my fingers that luck would be kinder to me sophomore year than it is for freshman.</p>

<p>polkadotma369: Thanks for your advice! I tend to hear different things from different students, but the general feel is, true, that I’d learn more from an art school, even if in the long run a good portfolio from a state school can achieve the same job status. I hear about people taking that route a lot (full-ride in-state over first choice school) but I also know many people do then transfer like you did if they especially detested the state school… my own friend got a full-ride to NCSU but chose Chapel Hill because that was her dream school, though it cost more.</p>

<p>I was thinking of definitely expanding/learning design since I know how difficult it is to secure straight-up illustration jobs. The advantage to NCSU is that it’s major is literally a loose “art+design”… which includes animation, fashion design, illustration and other design-type jobs, so you aren’t stuck specifically in one type. The downside, of course, is that it’s difficult then to get a specific, advanced education in the area that interests me the most, and that the focus on fine art really isn’t as prominent. But I’ve also heard that it’s easier to get into different fields with illustration? Especially if you’re foundation is pretty strong?</p>

<p>My parents’ willingness to try and take on so much debt is the fact that many people they know who’ve come out of RISD are doing quite well… problem is, they’re looking at Industrial Designers and Textile Designers, not illustrators, who I know in this economy have taken a bit of a toll coming right out of college. What worried me about MICA, though, is the fact that it’s most reputable for its fine arts. I know they have a pretty strong illustration program but am less clear on whether or not more design-elements in illustration are emphasized of fine-arts elements…</p>

<p>In any case, your post definitely helps.</p>