help?

<p>...Sort of. I guess I'm just looking for some advice/input on colleges. I applied, did that whole deal, and have essentially narrowed my school choices for next year to four.</p>

<p>Bates
Colby
Lehigh
Willamette</p>

<p>Lehigh, I really should in good faith cross out, since it's probably not the school for me. But the M-F ratio is... tempting, to say the least (boy crazy, anyone?) Plus my dad went there, so I have a fair amount of pressure to attend myself (also, he'll never be able to throw in my face that I didn't attend a "good" university - after all, he went there!)</p>

<p>Now Bates I absolutely adore, I had a really great feel for the campus when I visited. Everyone was really friendly, but it was a tad preppy for me, I suppose. But generally... I loved it. I thought it was great. And in a perfect world... I would be there.</p>

<p>Colby was nice, I liked the location, the feel for the place. I didn't spend too much time there (squeezed it in between Bates and Bowdoin) but everyone seemed nice. It was very very removed though, and I'm not sure if I want that.</p>

<p>Willamette (which seems to stick out a little from that list) is on there because they gave me money. Merit money. A fair amount, about $36,000 over four years, which isn't anything to scoff at.</p>

<p>Now here is my dilemma. My parents and I don't exactly have the... best relationship. We are an extremely affluent family (200K+ a year), from an affluent area, and I never really considered that money for college would be a problem. After the last four years of a very unbalanced relationship, my parents don't feel it's necessary to invest as much money in my education. Though we have $100K tucked away in a college fund for me (and it's supposed to grow), they'd rather pay as little as possible. So basically they've told me I'm responsible for $7,000 a year of my college tuition, $3,000 to be paid throughout the year and $4,000 in college loans.</p>

<p>When I brought up the subject that perhaps, since we do HAVE the money, my first semester, when I'm settling in to a new home, a new group of friends, a new lifestyle, and a workload unlike any other I've experienced, perhaps I should hold off on a new job until at least second semester freshman year, seeing as how it isn't actually necessary. If it was, if my family actually needed the money, then I'd totally understand. But them being unwillingly to give me it... I understand I'm not entitled to the money, and I understand that it IS their money, to do with what they will. But I still feel as though they could be a little more understanding.</p>

<p>Okay, done with my vent, now to the actual point.</p>

<p>I know coming up with $28,000 over four years is essentially small potatoes, especially compared to other fiscal problems of other posters on this board. But to me, it does matter, because any way you slice it, $28,000 is a lot of money. So here's my dilemma:</p>

<p>Should I go to Bates, a school I absolutely adore, but a school I'd have to put myself in debt (and the majors I'm interested in - English/Political Science - probably wouldn't do me any favors in make a crap load of money right out of college) for a school I absolutely love? Or should I go to a school that I'm pretty ambivalent about... I don't love it... not as highly ranked, not as interested in going there... but they gave me money to cover the debts I'd have? Keep in mind I'd have to pay for my own grad school, etc, and would probably be sinking into debt for that too.</p>

<p>Gah. Money.</p>

<p>Help? Anyone?</p>

<p>Hm.. I think that you have two choices:</p>

<p>the school you love: take it if you really really like it a LOT more.
school that's okay: take it if it's not THAT much worse. the one that's cheaper and will save you from debt.</p>

<p>Cause' either way you get an education that will prepar eyou for a career.
so think about it. think awhile before you choose.
good luck</p>

<p>becchalk,
It could be the strain of your recent relationship has made your parents wary of a major investment.
We had this agreement with our kids; we will pay for college to the best of our ability. You will take out the max Stafford loan. You are expected to finish in 4 years. If you do not graduate, you will owe us all that we have invested thus far.
See if something like that would be agreeable to all parties.</p>

<p>Thanks, dhsiao and mominva :-) Mostly, I'm trying to decide if I can deal with giving up a school I love for a school I somewhat dislike...</p>

<p>The problem with taking out a Stafford loan is this. Way back in January/February, I kept bugging my parents to help me fill out the FAFSA. They point blank refused to let me do it, refused to sign it electronically, all of that. Now, they've sprung taking out a $16,000 loan over four years on me. From what I've read about a FAFSA, I don't even qualify for $4000 in the first year, since it would have to be unsubsidized. Forgetting all of that, since we never filled out a FAFSA, I understand that we're not even eligible. Is there any way, if I don't need any need-based award from the school, and it was purely for Stafford loan purposes, I would still be allowed to submit a FAFSA?</p>

<p>If not, can you give me any place where I could find a secure private loan? I'm somewhat wary of getting swindled, and my parents really aren't willing to give me any help on this - they're basically like, come up with the money, or else.</p>

<p>Any help would be really appreciated, thanks!</p>

<p>I am sure you can get an unsubsidized Stafford loan through any of a number of lenders. You will have to file a FAFSA but since the funds do not originate in the college, that deadline does not matter.</p>

<p>You are correct, the first year unsubsidized amount is ~$2550.</p>

<p>Is there another adult you can go to who wil be able talk to your parents on your behalf? Trusted aunt? Guidance counselor? Pastor?</p>

<p>Good luck, sweetie.</p>