<p>*You would probably be able to get a waiver now that your parents are bankrupt. And more financial aid as well. *</p>
<p>this is not likely true, unless the parents lost their jobs and now have a Pell income. Declaring bankruptcy, but still having your jobs won’t change your aid or your EFC.</p>
<p>Have a parent apply for PLUS. With a recent bankruptcy, outstanding bills, the parent will be denied. It will just take a few minute if a FAFSA is already on file. That will give you $2K extra in loans to go towards your fall semester. </p>
<p>You will still owe $5K, for the term, and you need to work out some sort of payment arrangement with NYU. DO NOT enroll for the spring. You cannot afford this school. Even if you get loans to pay for alll of it, you cannot afford it. It’ll cause you a lot of grief. </p>
<p>You need to sit down and find some online in state schools, or go to a local state school. That’s what you can afford. Take the frigging ACT if that is the obstacle to getting into any program there. It’s a heck of alot cheaper doing that than enrolling in a very expensive program that has already landed you into a lot of debt. </p>
<p>The fin aid rules are the same for anyone. The process just looks at the numbers. You find a school that you and your famlly can afford. Cut your losses, take a breath and look for affordable options.</p>
<p>Most people in this country who go to college do so part time while working and they eke out the courses, little by little. What you did was order caviar on a chips budget.</p>
<p>the SAT and ACT are RARELY offered at student’s high school. NEARLY EVERY student has to take it SOMEWHERE ELSE.</p>
<p>Maybe where you live this is true, but in the Northeast the SAT is usually offered at the local high school. Maybe not every test date, but certainly enough to make it convenient.</p>
<p>OP where do you live that you cannot take the SAT or ACT locally? Though the tests may not be offered at your highschool, if you live in the US, there would be a locale nearby, and the there should not be any charges over what the testing agencies charge.</p>
<p>I’m a little confused…is the OP a NY state resident? Something is missing in this story.</p>
<p>Based on the OP attending Baker, a school focused on professional certifications, I assumed the OP is a MI resident.</p>
<p>OP: Don’t take this the wrong way, but those tests (the ACT and SAT) would surely have been worth the time and the $60, if they opened doors to less expensive colleges and some merit money.
A word to future students, these tests can help you achieve the scholarship money you need to attend college, so study, watch your GPA, and prepare for these tests, they can be worth your time! Also be warned:Have the financial talk with your parents BEFORE you choose your college.</p>
<p>Jaimie…are you living in MI taking all online courses? </p>
<p>If you are a MI resident, perhaps looking at one of the less expensive public universities in Michigan should have been a priority. Also, agreed with others…when you were in high school, the SAT or ACT would have been a good thing to have done.</p>
<p>You do NOT have the financial resources to complete a degree through NYU. Finish this term, pay off the debt, and apply for admission to a Michigan public university…(not UMich or Mich State).</p>
<p>All of the charges weren’t for the test, itself. I don’t remember how much the actual test was, but there were charges for transportation (you had to go with a group of students on certain days), the test fee, and the fee the college has for taking the test at their location. Thank you all for your advice too!</p>
<p>All of the charges weren’t for the test, itself. I don’t remember how much the actual test was, but there were charges for transportation (you had to go with a group of students on certain days), the test fee, and the fee the college has for taking the test at their location. Thank you all for your advice too!</p>
<p>That’s not how the SAT or ACT works, at least in the United States.</p>
<p>The colleges do not charge a fee to take the sat or act there. And you don’t have to go with a group</p>
<p>It’s water over the dam now. That was four or five years ago,when you were in high school.</p>
<p>At this point you need to be concerned about HOW to deal with college. </p>
<p>I would,strongly suggest you look INSTATE at a public university there. NYU is not affordable.</p>
<p>Michigander college student here. Maybe I can try and help out with the available school options. </p>
<p>Baker college? So, there are a lot of locations, but assuming you went to one in the more populated locations… </p>
<p>Auburn Hills or Clinton Township: </p>
<p>There’s Oakland Community College, Macomb Community College and Oakland University. Tons of people at OCC and MCC trickle into OU, so if the tuition of a university is too much after bailing out of NYU, you could start off at OCC or MCC and just move along like most people. They’re both solid CCs. OU also has a new location in Mt. Clemens that might be a closer option for you if you live in Macomb. </p>
<p>Allen Park: </p>
<p>There’s Wayne State University and also OU again. I don’t know about Wayne County’s CC system, but I’m sure they have similar matriculation habits. Also, maybe U of M Dearborn? </p>
<p>Port Huron:</p>
<p>Well, all that’s really in Port Huron is SC4. A lot of people make the commute down to Wayne or Oakland after their time at SC4, though, so that’s an option. </p>
<p>Flint:</p>
<p>U of M Flint for sure, and I know there’s also Kettering too. No clue about the CCs, though. </p>
<p>As for the other locations of Baker the OP possibly could’ve been at, I’ve no clue. But Central is way out there and not by the cluster of southeastern schools, so if the OP does live in the southeast, she’d have to dorm, which be a lot more money.</p>
<p>I am confused. In Michigan, all high school students take the ACT in school, as part of the MME. Are you from MI or not?</p>
<p>You are wasting money. Stop now, and take time to figure out a real plan. Do not apply to private colleges or out of state colleges. No Baker, no UC-Boulder, no NYU. Where do you live? Go to CC in your county - Michigan has good CC’s. Talk with an adviser to figure out where to go for the rest of your degree. There are affordable options in Michigan, particularly if you can live at home and commute. WSU, OU, EMU, UM-Flint, UM-Dearborn if you are in metro Detroit. If you have someone to live with in inexpensive off-campus housing, public colleges in other areas can be affordable … but only if you know for sure that you have a roommate and inexpensive housing lined up.</p>
<p>If you are not from MI, I apologize. Your reference to Baker makes me think you are, but I certainly could be wrong.</p>