<p>Please explain what is wrong with the psychology major at URI. They have a psychology major. What is so unique to your needs that this school won’t satisfy it?</p>
<p>If your parents can pay $30,000 a year, you will have an uphill climb to meet the additional money you want to attend the schools on your list.</p>
<p>Plus…this is what you think they CAN pay. Remember…colleges will co ute an amount that the colleges feel they can pay based on your Profile (most of your schools require that for institutional aid), and FAFSA.</p>
<p>For FAFSA purposes, the only federally funded aid you will be offered is $5500 in Direct Loan money for your freshman year.</p>
<p>It is very possible that your current list is financially unaffordable, but you won’t know that until you speak with your parents. It is very possible (and my guess is this has been told to you) that URI is affordable as your instate option. </p>
<p>Again…look at that list of colleges that cost under $25,000. Maybe those are within your price point.</p>
<p>I understand that YOU, or any given young person at a given time, most likely does not have financial info on the parents. But in order to get an idea of what you are even eligible to get from fin aid, the absolutel max possible, not what you will be getting, you need at very least an estimated EFC for you. So you need to sit down and talk to them about this and have them run their numbers through the EFC estimator, and also the NPCs at some schools that interest you,and also get from them what they are willing to spend for YOU for college. That means that you can then focus on those schools where it is even possible that you can afford. I also recommend getting some schools taht you know you will be able to afford, and they may well not be your preferred choices. Yes, it’s a great thing to be able to go away to college, go out of state, go to a big name school, but that’s a luxury and a privilege just like getting a brand new luxury car all paid for or the Grand Trip to Europe or any number of things for which money is essential. You aren’t Goldilocks, as an intrepid board member said to another poster, in that you have the full luxury of “too big”,“too small”, "too hot, “too Cold” when you need other people’s money to pay for school, starting with your parents first.</p>
<p>As mentioned above…your EFC is not as important as the amount your parents can and WILL actually pay for you each year. Your FAFSA EFC AC should be viewed as the minimum you will be asked to pay for college. </p>
<p>Ask your parents what they can pay. Or ask one of your siblings. Maybe one of them has already asked this question.</p>
<p>OP unless you provide the meaningful information, you are not going to get meaningful answers. You are playing around, and time is of essence. If SAT/ACT scores are not within merit range, still time to retest. There are schools available but you may not realize what real options you have and may miss the boat. As another poster said, you and your sister and brother are in the same boat…</p>
<p>Without knowing the EFC and some sample NPCs for your family, and what your parents will pay, it’s all meaningless. The guesses are just that making some assumptions. If your parents own an expensive house that with alot of equity or have some asset put away, that can just dump that $25-30K per kid assumption of EFC that we are discussion. And if your parents announce that all they are willing to pay and borrow for each year is $45K total for the three of you, there go those assumptions. It’s what you are likely to be expected to pay and what you will be able to pay (highly dependent on what your parents will give you) is what the key determinants are for what your possibilities are. </p>
<p>Look for low cost options, schools with a lot of merit for which you stand a chance of getting, low sticker price, commuting options, etc. Just in case the schools expect your parents and you to a pay a whole lot more than can be paid. This happens every year, a lot.</p>
<p>According to Penn State admission bubble chart, 1300 with GPA of 3.95 is a possibility but not sure thing. So Penn State is reach to match, not a safety. Good luck. I would re evaluate your expectations and make another college list asap.</p>
<p>Correction, if your combined SAT is 2100 you are predicted to get in according to bubble chart. GOOD LUCK!</p>
<p>PSU is a likely school for entry, depending on timing of the application and which school of the university, however, the cost to go there is well over $40K for OOSers and they are not at all generous with fin aid even to their own state residents, and there is not a lot of merit money available either. What awards they do have are around $5K a year. So cost would be an issue. At temple with a 1300 SAT1 (2 pt) or 29ACT and a 3.4 gpa, $14K is available for merit award and the COA is similar for PSU and Temple, I believe. This brings Temple’s cost to about $26K which is close to URI. If parent can come up with $20-25K for the student, this is a doable deal, as is URI. Penn State is highly unlikely when you throw in the financial issues, unless parent can pay $35K or so a year.</p>
<p>^^^Our guidance counselor told us that for the last few years, Penn State has been giving anywhere from 2k to 6k for SAT’s >1400, with most awards falling in the 2k to 4k range. She said the first year they started seeing these Provost scholarships, the awarding of them seemed almost random, but the last few years, they can tell who is going to get one - the higher the SAT/GPA, the higher the award. But the awards are generally only for the first two years. I have heard PSU gives out similarly sized departmental scholarships to their top students for junior and senior year, but I don’t know anything else about them. </p>
<p>Thanks for the suggestions, How about U of delaware?? </p>
<p><a href=“https://www.collegedata.com”>https://www.collegedata.com</a> </p>
<p>Check out this site and put in the names of the school you are considering, and you can see what percent of need, what kind of merit money the school gives out under Money Matters. That it’s an OOS school basically tells you that you are not going to get as much most likely unless your stats are way up there. </p>
<p>No, UD is not a good choice for you. Not likely to bring cost down to $25K. Cost for OOS is $45K. They don’t tend to meet full need, they don’t give big awards. </p>
<p>It seems rather irrelevant of whether PSU will or will not accept. The bigger issue is NO merit and NO aid from PSU. Costs go up every year. The costs quoted NOW are the current freshmen. Next year’s costs will be higher…and each year will go up. By the time this student (and siblings) are juniors in college, costs will have gone up $10k+ per year per child at each school. </p>
<p>Costs are already well beyond the estimate of what this student thinks his parents will pay - $20k-30k. And we aren’t even sure if those estimates are right. The parents may not have any intention of paying $90k per year for their 3 freshmen next year. That would be such a huge chunk of their income unless they have savings or some other money source. I wouldn’t be surprised if the parents say that they can only pay about $15-17k per year per child…because that would be about $45k-50k per year…which is about 25% of income. </p>
<p>@nesenior23 When you get home from school today, will you please ask your parents how much they’ll pay PER child next year for college?</p>
<p>Some parents don’t like to talk about finances. At least have them go to PSU’s net price calculator and run it and see if in that is doable. </p>
<p>At some point parents are going to have to talk numbers. If you run some EFCs and show what it costs. Parents certainly should be expecting the pay room and board charges, and then depending how good the student is, if any merit available. It would be very frustrating to do all this work on assumptions, then the parent drop a bomb on what they will pay (lower than expected or needed for certain choices). Some parents have really no idea of what costs are…</p>
<p>good suggestion…</p>
<p>Run PSU’s NPC…you can put 0 for savings, and put $200k for income. Then put in family size and 3 in college. Then show parents the results…explaining that you didn’t put in savings and income may be a bit off.</p>
<p>Once they see that PSU will charge you full freight no matter what, then they may provide amounts that they will pay.</p>
<p>Ask your parents this: “if I get accepted to colleges out of our price range, what will you expect me to do after HS graduation?” </p>
<p>See what they say.</p>
<p>If I were a betting woman, I’d say they are expecting you to apply to URI.</p>
<p>@nesenior23
I can’t help but feel that there is some significant info that you’re not sharing. I don’t mean “private” info, I mean info that is significant but you find frustrating. Info seems to be dripping out and significant pieces are missing.</p>
<p>^I’m wondering if OP’s been told he could attend URI or a school that costs about the same, and is thus looking at schools he’s interested in, hoping to find that there are scholarships bringing costs down to URI’s level.</p>
<p>OP: your list, as of now, means NONE of your colleges are affordable. Seriously, none of the schools on that list will cost your family 20-30k. That means that in the Spring, if you don’t apply to URI and only apply to these universities, you’d have to take a gap year or attend community college.</p>
<p>are you retaking your ACT or SAT?</p>
<p>Some universities that may be within budget for you and/or where you may qualify for merit aid: University of Minnesota-Twin Cities, Appalachian State, CUNY-CSI, West Chest University, SUNYs, Ole Miss, University of North Florida, University of South Florida, UTennessee.
RUN THE NPCs on each of those and check out conditions for merit scholarships.
You may be able to get merit at Creighton or Butler, because you bring geographical diversity and the rest of your application sounds like what they want. </p>
<p>I agree with post 77. The current list is unaffordable because significant merit aid is likely not going to happen (some of those schools don’t give merit aid).</p>
<p>With three kids going to college at the same time ( if this is true ), I can completely understand the financial concern of the parents. It seems this OP doesn’t understand THAT. Even with an income of. $200,000, paying college costs for three kids at the same time…for four years…is a huge financial burden.</p>
<p>If these parents are offering URI educations to their kids, the kids need to listen up. Either apply to URI, or find schools (listed above or in that thread <$25,000) that fit the parent price point, or plan to do something different than college.</p>
<p>OP, three starting at the same time is unusual. It’s not fair to ask for guidance without giving the info seasoned adult posters need. </p>
<p>In fact, one of our markers for kids we can take seriously, IS how forthcoming they are, especially with answers to key questions. Don’t spin our wheels, please.</p>
<p>There is little point in trying for some out of state U when URI starts and ends less expensive and you have a shot at merit there. They have a psych major. They also have a lesser rep. But what point is there in looking at UMinn or Ole Miss, when you have an equivalent U at home?</p>
<p>Your choice: you want good advice or you don’t. Think about it.</p>