<p>soccer_guy - take out 3500 loan first, then take out more later if necessary. Try to charge most of stuff(concerts, gym classes, lab fees) to your cornell acct. You will be expected to pay the bursar bill monthly, but Cornell won't dismiss you if you couldn't pay your bill right away. Keep your cash for emergencies. My daughter worked 10 hours/week at school and worked 2-3 hours off campus.</p>
<p>Soccer guy,
You received that much in financial aid and you are COMPLAINING about what isn't covered? Is this a BS post? We are a middle class family with two working parents and we are scrambling to come up with the $50,000 it will cost to send DS to Penn each year. Our application for financial aid got us nothing more than a letter saying DS qualified for a Stafford loan.</p>
<p>There's a lot of fees not included in the sticker price you see. Don't forget living expenses...bottled water, movie nights, stationary supplies, it doesn't hurt to have a nice cushion so if you have a job, milk it for what it's worth.</p>
<p>Oldtimey, I never said I was COMPLAINING. I said I'm asking for the total so I can know how much in loans to take out.</p>
<p>Stop Complaining And Deal With It.</p>
<p>he's not complaining....he simply asked a question for the sake of planning. A wise decision I think.</p>
<p>Along the same lines of FA....</p>
<p>the tradition program replaced my loans with a 4,000 grant. My family isn't paying for college, even though they're "expected" to contribute about $8,000. I have the money for the student contribution covered, and have received a few outside scholarships. However, they were supposedly being payed directly to the school. They haven't shown up on Just the Facts. Does anyone know when they will be payed? Also, I was originally eligible for subsidized stafford loans...since cornell replaced them, but i still don't have enough, can I still take them out or do I need to take out unsubsidized loans?</p>
<p>Any help would be great :)</p>
<p>To freezing in NY: use the spelling paid not payed. Private scholarships may send a check payable to both you and the school, which you will have to endorse over to Cornell if this happens. You should check with your outside payors (scholarship providers.)</p>
<p>To the OP: work study ususally is useful to pay for the hockey tickets, restaurant meals, extras etc. Make sure to borrow what you will need to make up for the fixed expenses, and books. Living on less is part of the "fun" of the experience. Just try not to be jealous of the privileged who do not borrow or have a work study job. It is not easy, I know from experience, but the whole thing goes by in a flash. Once you are out in the real world, a lower amount of debt is better by far.</p>
<p>z0mg @ EFC = 0...</p>
<p>/me envies D:</p>
<p>i never bothered applying for an adjustment my frosh year for the student health insurance plan (ship)...</p>
<p>will be doing so :)</p>
<p>most scholarships and loans are applied the day classes start (august 28th)...</p>
<p>cornell would like you to pay ahead and then get a refund...but i dont think they'll ban you if you dont...</p>
<p>you have until like sept 1st to officially register or w/e</p>
<p>Don't forget to apply for a job early in the Cornell job section. Procrastination can only hurt. Also, scholarships will not decrease your EFC...they will take care of only your work-study and loans I believe, then Cornell begins to take away money from grants.</p>
<p>Unless you can get the financial aid office to give you more subsidized loans (they probably won't...i begged for them last year and they refused to give me more aid), you will have to take out an unsubsized loan. However, you don't have to start paying it back until after you graduate.</p>
<p>I don't know if I've said this already, but be sure to aid any new information that might be in your favor. Cornell loans are also better than other loans since they're government backed.</p>
<p>
[quote]
Cornell loans are also better than other loans since they're government backed
[/quote]
</p>
<p>The unsubsidized, subsidized and perkins and parent PLUS loans are backed by the government. If you use up your eligibility for these then they ask you to apply for private loans (preferably through their preferred lenders). Obviously...these are not backed by the government. If you are unable to get a private loan...then Cornell has their own loan program. You borrow directly from CU and pay them back.</p>
<p>Dining Administrative Fee amounts to room service...suck it up, nothing wrong with a friendly gratuity.</p>
<p>Or maybe I'm just being harsh on the OP for being a soccer fan.</p>
<p>I am confused as to why people who don't even attend cornell are commenting on this specific thread about Cornell finaid/fees!</p>
<p>I'm confused why ppl keep telling me to deal with it when I'm not complaining...I'm asking a question.</p>
<p>There is nothing wrong with your questions. More students should be asking similar questions instead of expecting their parents to do everything for them. It is responsible of OP to do budgeting before school starts. Once you get to Cornell, your time would be better spent on your school work and activities.</p>
<p>Don't worry about everyone who tells you you're complaining, soccer_guy: you posted a very sensible question and some envious people are just trying to knock you down. I don't think they understand the fact that you get more FA because you need more FA, and unlike them, you don't have stashed away cash available to pay off a "tiny" few thousand a year.</p>
<p>I don't get why some people are envious of soccer_guy472. His aid is not max. My friend got $38,000 in aid from Cornell and $44,000 from Yale. He picked Cornell due to his interest in agriculture. No need to be envious. They just need more aid that's all.</p>