<p>So sorry to hear about the loss of your mom. </p>
<p>What state are you in? NY???</p>
<p>If so, is your family income low enough to get TAP money?</p>
<p>Find out what your likely EFC is…
Quick EFC
[FinAid</a> | Calculators | QuickEFC](<a href=“Your Guide for College Financial Aid - Finaid”>Quick EFC - Finaid)</p>
<p>What state school can you commute to?</p>
<p>*act score: 21
sat score : 1480 but im retakin it again next month</p>
<p>my mom passed away last year so my dad is only able to give $7000 a year. *</p>
<p>Students are limited to the following amounts for federal Stafford loans… </p>
<p>$5500 for freshman year
$6500 for soph year
$7500 for junior year
$7500 for senior year.
Sometimes you might get a little bit of Perkins loans.</p>
<p>The limits are there because that is about the most newish grads can afford to pay back. </p>
<p>However, the total for 4 years is about $30k…so not much for each year. You can’t really depend on loans to get you thru college.</p>
<p>Your stats are not high enough for the schools that give good aid. </p>
<p>I don’t know where artlovers thinks you can get a “merit full ride” with an ACT 21 or even a bit higher. It’s doubtful that someone with an ACT 21 could increase their ACT more than a few points…not enough for a big scholarship to make a school affordable. An ACT 21 is about the bottom 30% for Pace.</p>