How will my aid change in my sophomore year?

<p>I was just accepted into the Honors Program at George Washington University, and I would love to go--but it's an expensive school, and my financial situation will change significantly next year and I don't want to be stuck in D.C. if I suddenly can't afford a second year there.</p>

<p>My EFC this was 0 as my mother is a full-time nursing student and reported no income (father isn't in the picture). I have the maximum Pell Grant of $5550 this year as well as a 20k Presidential Scholarship and an 18k aid grant to cover a cost of attendance of about 56k, with work-study and federal loans to make up the difference.</p>

<p>My concern is that my mother will be making about 30k next year, and our EFC will go up to between 3 and 4k, and my Pell grant will go down to about 2k. I was told that even though my Pell Grant is going down, that my current 18k grant could possibly go down as well.</p>

<p>Now, my mother is going to have her own student loans that she'll be starting to pay off as well as her own living expenses. As we aren't credit-worthy enough to take out PLUS Loans or private loans and no one in my family could co-sign anything, I am worried that my aid could be reduced to the point that the difference couldn't be made up in additional unsubsidized Stafford Loans as I would only be eligible to take out approximately 4k more in my sophomore year. If the reduction between Pell Grants and my need-based aid grant totals too much more than 4k, I would very simply no longer be able to afford to go to GWU.</p>

<p>Has anybody had any experience with changes of financial aid from year to year, particularly with such a sharp change of income? Even if I am safe next year, worries that I may be unable to afford my sophomore year may prevent me from going to the school if I don't get some kind of input, and naturally, the school won't answer any of my questions.</p>

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<p>I don’t understand the math…your aid is $43,550 and you have work study and Stafford loans of $12K+? That’s a lot of work study!</p>

<p>When you say that your mom will be making $30K next year, do you mean starting in 2010 or 2011? $30K should not produce an EFC of $2-$3K and may qualify for the Automatic 0 EFC. The qualifications for this are on page 5-6 of this formula guide, and the actual worksheets and tables which can help you project your EFC are included.</p>

<p><a href=“https://ifap.ed.gov/efcformulaguide/attachments/111609EFCFormulaGuide20102011.pdf[/url]”>https://ifap.ed.gov/efcformulaguide/attachments/111609EFCFormulaGuide20102011.pdf&lt;/a&gt;&lt;/p&gt;

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<p>Your Stafford loan limit will only increase $1K for sophomore year. The limits are:</p>

<p>Freshman $5500
Soph 6500
Jr/Sr 7500</p>

<p>Anyway, I would ask GW if the $18K grant is completely need dependent. If so, it’s likely that it will go down as your EFC goes up. Have a detailed conversation with your mom about what her plans are for employment (if she’s working full-time it seems she would make more than $30K) and whether you can count on her for any additional help in later years. If she’s taking an IBR repayment plan and/or will be eligible for student loan forgiveness, she may be able to take a Plus loan or make tuition payments in later years.</p>

<p>Finally, do you have other options for school that are less expensive or less dependent on need based grants?</p>

<p>Will your mom look for nursing employment that offers loan forgiveness?</p>

<p>Is $30K what your mom will earn her first (usually partial) year of employment as a nurse? (graduate in June, work July-December), or is $30K your estimate of her earnings for a full year? (That seems low.)</p>

<p>Good for you for thinking about this now.</p>