<p>What is the amount you, as a family, can afford to pay for college for the three of them? That and your EFC will give you some idea as to what the gap is in what you can pay and what the federal government expects you to pay before you are eligible for any federal aid such as subsidized loans, federal workstudy and grants (PELL and Seog are all that come to mind, and they tend to go to the very high need kids). . But most schools will be less generous regarding that expectation, and there is no school that guarantees to meet need as defined by EFC. </p>
<p>UMd, PSU, JMU, Michigan are all highly unlikely to provide much if any need based aid for you. UMich is the most likely, IMO</p>
<p>If the family has an AGI of $200,000 a year, their FAFSA EFC total will be upward of $75,000. If they have three kids in college at the same time…each kiddo will have approximately $25,000 EFC…which FAR exceeds the cut off for any federally funded or state funded grants for low income students. </p>
<p>This family really should look at that thread for colleges that cost less than $25,000. That would be their EFC per student.</p>
<p>The real question…what can the family reasonably plan to contribute annually for each student for the next four years? The EFC is meaningless if the family can’t pay that amount. And as mentioned upstream…at most colleges, the FAFSA EFC is the MINIMUM a student can be expected to pay annually.</p>
<p>We don’t care how many APs these kids have, that is irrelevant for aid…merit-wise or need-based-wise. We’ve asked if they all have 1300 M+CR (which is an important question for merit), yet you haven’t answered.</p>
<p>We have REPEATEDLY asked how much the parents will pay for each child, and yet get no answers. We NEED this info in order to know how much merit each child needs!!</p>
<p>We have asked if you are the parent or student, and yet have no answer.</p>
<p>We cannot help you unless you provide us MEANINGFUL INFO!!!</p>
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<p>Sounds like the income is above $200k, so EFC will be high even with 3 kids. </p>
<p>Are any of the kids retesting? Taking the ACT? </p>
<p>What is each child’s major and career goal???</p>
<p>If you are a child can you please ask your parents for these answers?</p>
<p>Well, a ton of APs could lower college costs by knocking off as much as a year’s worth of credits, especially at publics. This is especially viable if you don’t get fin aid or much merit money. Though you have to be careful about what they can go for, and you’d still have to meet major requirements, etc. Also, while some schools would allow you to pay per credit, others essentially have a flat fee.</p>
<p>This poster started another thread. He says he wants to study psychology…and that isn’t offered at URI…which is poppycock. This is from the URI website:</p>
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<p>This student says he has 1300/1600 CR/Math, and 2100 superscored for all three sections.</p>
<p>No mention of the two siblings on that other thread.</p>
<p>ETA stats posted by him.</p>
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<p>If this student’s family can afford to pay the OOS rates for Penn State, then they have LOTS of affordable options out there…just not the ones on the student’s current list. </p>
<p>Sorry…but you do have a chunk of this info. You have crafted a list of colleges which you posted on your other thread. You included some OOS publics as safeties…presumably that are affordable. A safety isn’t a safety if you can’t afford to pay for it.</p>
<p>And you oddly do not mention any siblings attending college at all on your other thread…where you are also asking about affordable options.</p>
<p>If you really do have two siblings attending college it should be pretty easy for you to ask them what their SAT scores are.</p>
<p>Are you looking for colleges for all three of you. Do all of you hate the thought of attending URI? Are all of you studying psychology. (Which IS a major there, by the way).</p>
<p>It’s hard to believe any of your posts. </p>
<p>And easy peasy…just ask your parents what they CAN and WILL pay for you to attend college annually. To be honest, that is the single most important piece of information you are lacking. If the net price calculators say your family will need to pay $25,000 a year…what will you do if they say they will only pay $10,000? </p>
<p>I’m pulling the BS flag. You may not know what your siblings’ scores are…it sounds like you’re triplets or there are twins and a singleton all going at the same time…but you could have asked them in the last few days of this thread!</p>
<p>And if you don’t know how much your parents will pay, then you can ask them and quickly know.</p>
<p>If you TRULY want meaningful info, then find out the answers.</p>
<p>Agree with post 48. And I will add…if you don’t have enough information to post here, you also likely don’t have enough information to complete the net price calculator with accurate information.</p>
<p>Ask your counselor if URI still offers the Centennial Scholarship which you’d match, if the stats you note are accurate. It was plenty generous. Or call the school. (The U now makes it hard to find specifics, but I think it covered tuition for four years.) </p>
<p>And your comments about psych are confusing- did you mean, in general, URI is not up to your standards? </p>
<p>But OP, to be taken seriously, you need to provide relevant detail. How can you not know the sibling info- are they step-siblings, living elsewhere? That would add another twist.</p>
<p>The fact of the matter is that OP is interested in how it would work with three siblings going to college at the same time with a $2000K parental income. We’ve given him some idea of possible scenarios. The EFC is going to be about $25k per student, if these are indeed siblings all going full time to a regular college. However, PROFILE is more likely to be around $35K per student–just very general guessing here. The schools that use FAFSA only which are most state schools, and really most schools, are highly unlikely to give the OP much more than some subsidy of loans, work study, and maybe a small grant, and any of the siblings would be lucky to get fin aid from those schools so that indeed all each had to pay ended up to be $25k. </p>
<p>Though some of the PROFILE schools like BC do guarantee to meet need, the need is not using the FAFSA EFC but the school’s own formula that does not usually turn out to be as generous. With costs going over $60K at such school, the cost a generous full need school might expect the family to pay would be about $30-35K. Just guessing here. </p>
<p>What’s important here is how much your parents and you can come up with each year for YOU. Do ask them how much they think they can pay on your behalf, come up with what you will be able to pay, and that is the budget. IF the BC NPC comes out so that the cost is more than what you can afford, it’s not a good choice for you. If BC expects you and family to pay $30K and the aid package already includes those direct loans and work study, you can’t borrow any more without parental involvement and your hours available to earn money towards the cost is already taken up by work study. If you and your parents can’t come up with that amount, that’s not a good choice for you. </p>
<p>So what your parents will pay towards your siblings is not the issue here, but how much they will pay for YOU. And how much the schools will expect you and parents to come up with for you. </p>
<p>If these are half or step siblings residing elsewhere, it is possible that they will not count as members of this student’s household attending college. That would certainly put a twist on the finances. </p>
<p>And if there are custodial and non-custodial parents and spouses with incomes…that would add another twist.</p>
<p>The reason why I did not give my brother and sisters scores is because I’m talking about my situation here. There is no way for me to provide you with my efc because I do not have access to my parents financial information. My simple question was just whether I would be able to get any need based aid or not… I clearly do not have enough info to answer this right away but I would expect the efc to be 20-30K. I was just merely looking for suggestions about what schools would still provide me with a solid education without me ending up in a big hole of debt. I’m not considering uri because it does not have the psychology program I am looking for (and I don’t want to stay in state). Again I am not looking for exact numbers, just suggestions of schools. My current list was already posted in this thread, mostly medium sized to large schools with d1 sports and a location accessible to a city or college town. Sorry for the confusion</p>
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reason why I did not give my brother and sisters scores is because I’m talking about my situation here. </p>
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<p>Well, you said:
""They are not just looking at oos publics, some other schools on their lists are tulane, bc, bu, etc… “”
And you said, “Yes they want division 1 schools”</p>
<p>So, it would seem logical that since all THREE of you are in the SAME BOAT…</p>
<p>Anyway…you are all in the same boat. Your parents earn too much for aid at most/all schools. You all will face a similar/same budget from your parents. You all seem to have lists that won’t be affordable.</p>
<p>even if this is your thread that is mostly about YOU, I hope you are sharing the info with your sibs otherwise they (and maybe you) will end up with no affordable schools. It would be very sad if you learned that their current lists are likely unworkable, but you didn’t give them a heads up and tell them where they can get adequate merit.</p>
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<p>I’m sorry but I must have missed this mention earlier. Are you saying that your parents have said that THEY WILL PAY up to $90k per year for the three of you to go to college? Or are you assuming that range? </p>
<p>Have you considered the University of Maine, the flagship in Orono? They give out some good merit aid and has a well-regarded Honors College. If you’re into D1 sports, their big one, is hockey, with lots of school spirit at the games. </p>
<p>I think you should bring your two siblings on board to this thread so that all 3 of you can learn from it and have a good strategy for your app lists. </p>
<p>You’re all facing the same limitations: parents with a very high income, interest in schools that don’t give great aid, parents who won’t be able to pay for all of it.</p>
<p>So, powwow with your sibs, come back with each of your stats, majors, and school lists, and we can add/subtract from each list so that each sib has some financial safeties, some matches and some reaches.</p>
<p>^^^
forgot to add…AND ask your parents for a definite amount that they will pay for each student each year. It sounds like you were estimating…and kids often don’t estimate well. $20k-30k may sound reasonable to you, but with 3 going at the same time, that could be $90k per year…which is unlikely affordable unless your parents have college-savings accts for you or some other plan. </p>
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