<p>Take a look at IU Bloomington – it has a fashion design program, big sports (especially basketball), big school spirit, decent weather (some but not tons of snow) and plenty of kids from coasts. IU superstores both SAT and ACT and will look at weighted gpa as the basis for admission rather than recalculate it as unweighted. </p>
<p>They do have automatic scholarships based on gpa and test scores, as long as applicants apply before Nov 1, however with a $32,000 OOS tuition, the $6000 scholarship is not going to make much of a dent in fees. </p>
<p>Most publics do not give a lot of merit money or financial aid to OOS students. Privates who meet full financial need can be a better financial option for families whose Expected Family Contribution, which can be estimated on the Net Price Calculator on a school’s website, is a very low number. An important question is whether a specific school does say it meets 100% of demonstrated need. </p>
<p>The problem is, for many of us, what a school determines we can afford to pay – our EFC – is much much higher than what we can, because of life circumstances, actually afford to write a check for. So families go in search of merit money to close that gap between what financial aid says we can pay and what we can actually afford to pay. Parents – the ones offering advice here – know from experience that financial considerations cannot be separated from admissions considerations. We have all seen, every year, the sad posts of students saying that they were admitted to a school they love but their parents just said that, even though they thought they could find a way to make it work financially, they cannot. Families need to look hard at finances before a college list is finalized to avoid that spring of senior year heart break. </p>
<p>So, if your family is not a full pay family that can easily write a check for $65,000, then you need to talk with your parents about finances and run the NPC on a few schools’ websites to see what the estimate of your contribution looks like. If your family cannot pay that amount, then you need to identify schools that will give you merit money because they want students with your qualifications. Typically, that means schools where your stats put you in the tippy top part of the class, at least top quartile. Also, remember, families cannot simply borrow it all to make up the gap. Students are limited by federal law to what they can, on their own, borrow each year – it is about $5500. Parents need to qualify for and agree to borrow amounts – there are limits to that as well, a family cannot simply borrow $60,000 a year for 4 years to pay for school. </p>
<p>Good luck with your search. </p>