<p>It’s too late for most schools to even apply for admission let alone get financial aid, much of which is limited and depleted by now. I would say take one semester off, but you don’t want to do that, so the only other suggestion I would offer is ask the financial aid office for a payment plan so that you pay in installments rather than up front for the whole semester and hold a part time job while attending school to help pay for it (starting now). My school does the payment plans, yours might too - but the job will still be necessary to pay those installments.</p>
<p>There are plenty of well endowed schools that take transfer students. BUT finding one that still has open spots AND sufficient need based or merit aid at this point for this August or September is VERY unlikely. Deadlines for transfer applications have past. Deadlines for financial aid have passed. If you want your student to transfer to a private university with a good shot at decent aid, he needed to have applied a LONG time ago.</p>
<p>So…here are your options:</p>
<ol>
<li><p>Student continues at Ohio public university this coming academic year and you pay OOS costs.</p></li>
<li><p>Student takes a year off of school to establish residency and then returns to Ohio public as an instate student (check to be sure that he can change residency status).</p></li>
<li><p>Student takes a year off and applies to well endowed private universities (because it is too late to do so for this coming fall).</p></li>
<li><p>Student attends community college for a year. Make sure that if he does so, he will still be able to be considered instate the following year…as some schools are clear that you cannot establish residency WHILE attending college in the state.</p></li>
</ol>
<p>It sounds like you are leaning towards number one, since none of the others are possibilities.</p>
<p>You can look at the list of the schools with the best endowments, that meet full need, that still are taking transfer application and if there are any schools that interest your son, you can call and ask about availability of financial aid at this date and whether transfers are likely to get any, and if they still get full need met at this date. </p>
<p>The fact of the matter is that getting into most of such schools as a transfer is often very difficult, in some cases, more difficult than as a first year, not to mention getting aid. There is that list that came out in May of schools that did have some space available at that time, and some indicate some fin aid still available. If you want to go down that path, you and your son can. </p>
<p>Personally, I think it is a long shot. The private schools are going to have even a larger amount between what you can afford and the COA in most cases. I don’t know which OOS public your son is now attending, but even the top priced ones are a good $10K less in full sticker price for OOSers than the more generous, well endowed private schools. But check it out. </p>
<p>We are just talking one semester here before you are eligible for in state rates, so if your son is doing well at this school, is happy there and it will be affordable for the second semester and thereafter, I truly think going part time or taking a leave of absence is worhwhile. Kids take off a term for any number of reasons in their 4 years (or more) at a school. It’s not a big deal thing in the whole picture at all. It seems to me he has a good thing going here, and once you are squared away as in staters, things are a go. A good go, which is a good as it usually gets.</p>
<p>You’ve just moved, your H has lost his job, you can’t afford your son’s OOS tuition, and you can’t qualify for a Plus Loan (because of credit problems). </p>
<p>The best solution is this:</p>
<p>Take a semester off (contact the school) and have your son WORK for the next 6 months. His income can help the family at this time.</p>
<p>I really don’t know why a lot of you are coming up with fact that it is more difficult to transfer than being a freshman. We’ve spoken to several schools that are not taking freshmen now, but are still taking transfers. We are not talking about getting into Harvard or Columbia, but rather a decent school. Apparently none of you know of any schools taking transfers or are well endowed. We found out two schools in Ohio that are well endowed and taking transfers and they are Mount Union and Defiance College.
Please do not tell me to send him to community college, because I know my son better than anyone and community college is just an extension of High School and he just had the taste of what a real college life should be. He enjoyed that taste of college. Maybe somebody knows of a school in the Midwest that could be well endowed and accepting transfers?</p>
<p>
Then why are you asking again
</p>
<p>Well there you go! You’ve found two…go for it!</p>
<p>Wish you the best on sending your son to
</p>
<p>Ohio that are well endowed and taking transfers and they are Mount Union and Defiance College.</p>
<p>Mount Union has a SMALL endowment of $120 million. Defiance has a TEENY TINY endowment of $14 million. Why are you saying these are “well endowed”??</p>
<p>Yes, there are schools that are still taking transfers. however, when they have small endowments like these, what makes you think that you’d get adequate aid?</p>
<p>The need-based aid picture at these colleges doesn’t look likely to solve your problems:</p>
<p>
</p>
<p>
</p>
<p>I think this is one of those cases that will play out the way it plays out. No reason not to try applying anywhere the OP can find for his/her son to apply, but I hope the student in this case is not being told that taking a semester off or taking classes at a community college is some kind horrid disgrace… because the choices may come down to that.</p>
<p>Just because you want your son to attend a 4 year college doesn’t mean it can happen. You may feel it is the best thing for him, but many students on these boards end up attending comm. colleges or taking a break because they can’t afford a 4 year school…and they make it work. The chances of your son getting a substantial scholarship at this late date and with a 3.0 are slim. If you can find a school that will work, go for it. However, it does not seem fair to your son to get his hopes up and to tell him think he can’t succeed at a comm. college. I’m not sure why you are asking for help here as you do not seem interested in the suggestions. I really hope it works out for him as I know you just want the best for him -just be sure to keep him informed so he doesn’t get any surprises.</p>
<p>“I really don’t know why a lot of you are coming up with fact that it is more difficult to transfer than being a freshman.”</p>
<p>The situation is that it is more difficult to transfer into the best endowed colleges, the ones that tend to meet full need. You asked about colleges with good endowments. You can google and come up with a list. “Good” is a relative term and what you consider good, may, in fact, not be when you look at a comparative list. Endowment isn’t so much the issue as how much any given college is going to be giving your son to bring its cost down to what is affordable to you. The best endowed colleges are highly unlikely to accept your son or anyone right now, so it’s a moot point what their endowment funds look like and what their financial aid stats are when it comes down to bottom line FOR YOU.</p>
<p>But, it’s not just the endowment at issue here. You want to get his cost down, so he will need aid from the college, a lot, I assume. More than what his OOS public is offering him, and will cost him bottom line. It isn’t going to matter a whit what the endowment is if the school doesn’t give your son enough to bring the cost down to what you as a family can handle. How much are you able and willing to pay? He will be allowed to take out $6500 in Direct Loans in his own name and if you are rejected by PLUS, he gets another $4K. </p>
<p>But if it is grant money you are seeking from the colleges themselves, that becomes difficult, and yes, for transfers, it tends to be more so. </p>
<p>Give it a go and see what you come up with. It’s the bottom line cost to you and the student (present and future, so watch out for those loans) . See what options open up.</p>
<p>Could someone please post a link to the site that shows where colleges still have openings? I know this is typically for freshmen applicants, but there are some nice schools usually on this list. The list also shows whether financial aid is still,available for these late applicants.</p>
<p>Perhaps this list will help the OP.</p>
<p>avalon249 -</p>
<p>Have you sat down with your son to discuss all of his options, or are you making assumptions about what he is and isn’t willing to do? If he is old enough to be in college, he is old enough to start wrapping his brain about the financial issues that your family is facing. The students his age who I know whose families have had the types of challenges that yours has have all been more than willing to take time off, work more hours, move to more affordable colleges/universities, etc.</p>
<p>Stop feeling guilty about the money thing. Your emotions are preventing you from dealing with this in a rational way. Your financial situation is one that calls for clear thinking so that you, and the rest of your family, can cope with the hard times that you are going through.</p>
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<p>Database is searchable by state</p>
<p>Also…the OP mentions that her son has had a taste of the college experience and likes it. The two private schools listed are much smaller and with very different personalities than even the smallest Ohio public university.</p>
<p>If this student really likes his current university, he may be more willing to take a semester or two off while residency is established than to attend a different school.</p>
<p>^^
I agree with Thumper. The atmosphere at some of these very small lesser known privates may end up being more like high school (but pricier)! At least one of those 2 mentioned schools has a student body of about 2000 students…that’s a high school size. If this was a more highly ranked school, then that would be different, but some of these very small, lesser known privates can have a high school, cliquey atmosphere. </p>
<p>And, some of these very small privates are actually commuter/suitcase schools. That might make your son very lonely at night and on weekends. </p>
<p>That said, certainly apply to those and other schools that are still accepting transfers. However, don’t expect to get enough aid that still won’t leave you with a large bill to pay. </p>
<p>What is your Plan B if your son gets accepted to some of these privates, but he still doesn’t get enough aid? What then?</p>
<p>I don’t know if Minot State University (North Dakota) is still accepting transfers for this fall, but it is very inexpensive.</p>
<p>Would your son still be considered In-State for the state where you moved from? It seems to me that if you can’t qualify for in-state yet in Ohio, that you should still be considered In-state in the former state. How did you pay for the first year of your son’s schooling when he was considered OOS in Ohio?</p>