How to get an affordable degree, need advice?

I am wondering what I should be looking at or doing to help my son go to college.

Here is some information:

Junior at a small rural high school
3.94 GPA
24 ACT
Involved in lots of things including a job, church, school, and civic.
On golf team but only an average golfer, not scholarship material
Parents divorced, neither one remarried
NPC’s that I have run show EFC of $0 but leave a gap between available aid and total price
No real savings
Parents filed bankruptcy about 3 years ago
Mother has $40,000 in student loan debt
Father is on disability
Father graduated from University of North Alabama
Mother graduated from Samford University

He has been on some campuses, but not official tours.
Has only taken ACT once, hoping to improve score

If he spends equal time with each parent, make sure he spends one night more per year with the parent with the lower income. That parent will become his ‘FAFSA’ parent. If the EFC using that parent’s income and assets is $0, he’ll qualify for a Pell grant of ~$6k. He’ll be able to take a $5500 student loan, and he might get some extra need based money from the school.

Look for affordable schools. Probably your state schools are going to be the most economical, and if there is one he can commute to the Pell and loan might be enough for tuition.

Look for full ride (not just full tuition, unless school is in commuting range and costs of living at home and commuting are not too much) scholarships in this list (but verify on college web sites):
http://talk.qa.collegeconfidential.com/discussion/comment/21089443/#Comment_21089443

A higher ACT or SAT score can increase the possibilities of scholarships (see the above list for target scores).

Hi! It would be helpful to know your home state. Is it Alabama?

You already mentioned the ACT score. You could see how he does on the SAT – he can practice for free on Khan Academy. (google “free SAT prep khan academy”) That might help his score. He can take the SAT in May or June and then again in August/September to try to raise his scores. If he can get his scores to at least a 1400 that would help him a lot.

Alabama has great automatic merit aid. You should look at the merit aid offerings especially at Alabama Huntsville. They will definitely want his ACT/SAT scores to be higher.

Some private LACs do not require standardized tests AND they need boys. This might be your sweet spot. The best FA tends to be at schools that are highly selective. As a boy, he would get a little extra nod from liberal arts colleges (LACs) as they tend to be girl heavy. They need boys.

One strategy would be to look at LACs

  • Outside of his geographic area -- because he would be considered geographic diversity at some schools in, say, the Northeast or Midwest or West
  • Schools that profess to provide 100% of need (as they define need and all schools define it differently)
  • Schools that are test optional -- https://www.fairtest.org/university/optional

All of the schools have pricey sticker prices, but what you will actually be charged or will have to pay depends on your FA (financial aid) package. Most people apply to many schools “regular decision” and compare prices.

Avoide MOST out of state (OOS) public schools. They will be expensive and they don’t tend to offer FA to OOS students. With the exception of Alabama and now University of Maine at Orono is offering flagship matchin program, so what you would pay at Alabama flagship school, your son could pay to attend U of Maine at Orono – a gorgeous state with much to offer. A few other publics are excellent bargains – such as South Dakota Mines and Tech --it’s the size of a small LAC, public, cheap OOS tuition and the job opportunites it offers are excellent. But it’s all tech related.

Also look at –

Skidmore
Wheaton in Massachusetts (not illinois)
Bates
Colby
Beloit
Brandeis
Grinnell – excellet FA, amazing opportunity. They take most students early decision. Because their FA is so good, it might be worth applying ED. If the FA package is not affordable, then you can turn down your ED.
Clark University
Trinity college in Hartford CT
Colorado college
Connecticut College (not UConn – Connecticut College is a small private LAC; UConn is a state school)
Earlham
Haverford–part of a consortiumof schools. If he’s enrolled at Haverford then he can also take classes at three other excellent schools – free and frequent transport to those schools.
Gettysburg
Guilford
Hamilton
Hobart and William Smith
Juniata
Knox
Lake Forest
Wells in NY – can take classes at Cornell
Lewis and Clark in Oregon
Lawrence U in Wisconsin
Centre in Kentucky
Rhodes
Sewanee
Marlboro – tiny college in Vermont, has a Renaissance full scholarship, one for each state. Your son might be the one!
Middlebury–amazing school, seeks lower income students, test optional, full need met
Muhlenberg – great school, does not meet 100%of need but has great merit scholarships, test optional
Reed College – excellent highly intellectual school.
Oberlin
Pitzer – test optional, part of a consortiumof 5 schools all short walk to each other; all top top top schools
Rollins
Vassar – they will like his GPA; Vassar has one of the best FA available (as do the Ivies) but it’s not test optional. But they need boys and they have a social conscience of taking highly talented people from low-income often rural areas. They might just like him
Wesleyan – like Vassar but test optional
St. Lawrence in upstate NY
Temple U is a public that is test optional and has some OOS merit
Union in NY – excellent FA for low income students. this is the rare boy-heavy LAC. has engineering with liberal arts
university of Rochester – test optional excellent school meets 100% of need
Whitman in Washington – test optional excellent school meets 100% of need

Look at community colleges. Did he work at all for the 24 ACT?

There are two main ways to get lots of money for college - to be poor or billiant (or both)

Aid for poor students is called need-based. You can calculate how much need you demonstrate here:
https://bigfuture.collegeboard.org/pay-for-college/paying-your-share/expected-family-contribution-calculator

If you have a low EFC, then this site ranks colleges by how well they fund kids from low income families
https://projects.propublica.org/colleges/

If you are looking at a specific geographical region, use the “pick a state” option.

Aid for smart kids is merit-based, and the biggest awards the bright minds of this forum know about are in the link in post 2

Option three- live at home, take one or two classes at a time, and balance that with a job.

Somehow, Clark Atlanta University tops the list of private non-profit research universities both for percentage of students with Pell grants (71.9%) and the list of highest cost for low-income students ($30,500).

@ucbalumnus It’s an HBCU, so probably a lower endowment for financial aid. The Big Future data says the average package meets 48% of need and the graduation rate is 40% Works if families are willing to sign the loans, but I wouldn’t advise it!

I think poor AND brilliant is more accurate. Low income kids with average or above average, but not stellar, stats will qualify for the $6k/year Pell Grant. Most schools can’t afford to give them enough to meet their need, and spots at the schools that can generally go to those with top stats.

Yes, because the “meet full need” schools are a bit more selective, the poor student must be at least pretty smart even if not brilliant. Poor and academically average or below is a bad combination.

He didn’t really study for the ACT last time and we didn’t realize when we scheduled the date that his FFA national convention would be the preceding week. Apparently he fell asleep during the English portion of the test because he was in Indianapolis all week, they got back Friday night and he took the test Saturday morning. Last I heard he has the highest score so far in his grade at school which is surprising considering that his class has always been a very competitive group. There have been a few people from our school in recent years that scored in the 30’s(not sure how many times they took it).

Oh, we are in Alabama, Northwest Alabama to be more specific. University of North Alabama is about an hour away and Northwest Shoals Community College is about 45 minutes. We are right next to the Mississippi line and about an hour from Tennessee, in the past those states have had agreements that allowed students to cross the state line without paying out of state tuition, not sure if that is still the case. Our town is probably about 3,500 people and the school has somewhere around 65 people per grade(some larger, some smaller), it is a K-12 public school.

It sounds like he really needs a big increase in his test score to have a good range of options.

Using http://talk.qa.collegeconfidential.com/discussion/comment/21089443/#Comment_21089443 , the sufficiently large (full ride, or full tuition within commuting range) merit options are:

With current 3.94 GPA and 24 ACT:

Alabama State, if within commuting range (Montgomery, AL)
Alcorn State (MS)
Mississippi Valley State

With 26 ACT or 1260 SAT:
Alabama State (26 ACT or 1240 SAT)
Prairie View A&M (TX)

With 28 ACT or 1310 SAT:
Tuskegee, if within commuting range

With 30 ACT or 1390 SAT:
University of Alabama Huntsville, if within commuting range
Tuskegee

Also, assuming in-state residency in Alabama, 32 ACT or 1450 SAT would give full tuition at University of Alabama Tuscaloosa, which could be affordable if within commuting range.

Depending on the family’s overall financial situation, he might qualify for https://www.questbridge.org/ There is a sub-forum at the top of this forum just for Questbridge questions.

If he has a lot of civic and community work, he might qualify for good merit/need combos at colleges that participate in the Bonner Scholars program http://www.bonner.org/apply/ I know an Iowa farmer’s daughter whose profile looked a lot like your son’s (she did get her ACT up to 29) who was a Bonner Scholar.

Sounds like money is tight. No worries. If he can raise is ACT by 1 point, he will get a full ride scholarship, including room & board and food at the Univ of Wyoming. At SUU, he would need to get to score a 30 for a tuition scholarship. Both are great schools.

http://www.uwyo.edu/admissions/scholarships/non-residents/rms.html

https://www.suu.edu/scholarships.html

Re: #15 and http://www.uwyo.edu/admissions/scholarships/non-residents/rms.html

That link lists the top scholarship as $9,675 value, but the non-resident cost of attendance is $26,796 according to http://www.uwyo.edu/admissions/scholarships/non-residents/cost-to-attend.html , so that is far from a full ride.

Berea is a working college where students work at the school in exchange for tuition. https://www.berea.edu/
Here is more about working colleges http://www.workcolleges.org/

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he can raise is ACT by 1 point, he will get a full ride scholarship, including room & board and food at the Univ of Wyoming. At SUU, he would need to get to score a 30 for a tuition scholarship. Both are great schools.

http://www.uwyo.edu/admissions/scholarships/non-residents/rms.html


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Common sense made me really really really doubt this claim. Weird that @coolguy40 provided a link that in no way suggests that his claim is true. Coolguy, did you even look at your own link??

Is the mom’s Student loans from recent grad school?

He should study practice and retake the ACT…also should study and take the SAT

What is his major and career goal?

How much can each parent contribute towards college?

University of Montevallo has some good scholarships for moderate test scores.
https://www.montevallo.edu/admissions-aid/undergraduate-admissions/scholarships/entering-freshmen-academic/

Much will depend on new test scores.