<p>I planned on going to University of Oklahoma this fall to finish my major. I already spent a year at a community college getting my gen-ed, with the understanding that my parents were going to cover my tuition for four years. They spend my college fund on a fancy new car, and now they won't contribute. They make a lot of money so I didn't get anything through FAFSA other than $6500 in loans per year. Even if I went to an in-state school, I'd need more loans. My credit history is only a year old, and I only work one part time job, but I'm trying to find another. My parents won't cosign on a loan. I'm only 19 so I can't be declared as independent, and I don't have enough money to pay for school in my savings.</p>
<p>I'm not staying in dorms at UOklahoma, so tuition would be $22,000 per year. I have a $10,000 scholarship from them over four years, so $5,000 a year. $5000 + $6500 = $11500, so only about half is paid for. I'm so upset because I spend nearly $500 applying to schools this year, and now I won't be able to attend any of them. I worked really hard in high school, did a ton of EC's, and got great grades, and I'm really upset. I hate the community college that I'm at; it's unsafe and the professors are terrible. It's a waste of money, and I'm not learning anything. No one takes it seriously, and I really thrive in an academic setting. The community college I'm at doesn't have my major. </p>
<p>Will the financial aid office believe me if I tell them my situation and help me out? I'm so angry at my parents for telling me that they're not contributing THIS late. </p>
<p>Also-- I turned scholarship hunting into a full time job and got nothing out of it. </p>
<p>The university of OK does not meet full need for all accepted students. You are not the only one who is getting a Direct Loan and no other financial aid assistance.</p>
<p>You are fortunate to have received a scholarship from them.</p>
<p>Re: your scholarship. I’m a little confused. You say you have. $10,000 scholarship over four years, and that is $5000 a year? How is that?</p>
<p>Is OK out of state for you? Did you apply to any instate options that are affordable?</p>
<p>your parents must still provide their income/assets information on any an all financial aid forms as long as you are a dependent for financial aid purposes in order for you to receive aid.</p>
<p>Financial aid is given based on your parents ability to pay, not willingness to pay</p>
<p>it does not matter if your parents spent your college fund on a fancy new car. Other than entitled federal aid, you will not receive any additional aid for going out of state (unless, you can throw long, have a mean rushing game or you can hit a 3 point all day and are recruited to do so).</p>
<p>OK…it looks like you are instate for Indiana…and you applied to ALL OOS public universities. None on your list guarantee to meet full need for all, and all have sizable costs to attend for out of state students. </p>
<p>In the vast majority if cases, OOS public universities provide the best aid to their own state residents…both merit and need based. </p>
<p>In addition, you are applying as a transfer student. In the vast majority of cases, incoming freshmen have a better shot at aid than transfers. </p>
<p>Whoops, I meant over 2 years for the scholarship.</p>
<p>I might apply late to an instate school, but I still need about $5000 in loans for that. This just happened so suddenly. I had my heart set on going to Oklahoma.</p>
<p>my recommendation is to finish at the community college so that you can take advantage of the articulation agreements that they have with the in-state indiana schools. This way you will cleanly transfer all of your credits. Have your heart set on and get excited about attending school in Indiana</p>
<p>Sorry about your parents’ spending. Going into massive debt for Oklahoma isn’t worth it over an Indiana public and I say this as a current University of Oklahoma student. </p>
<p>Demeron, what do you suggest this poster say to the financial aid offices? She is an OOS student who has applied to OOS public universities that do not meet full need. Colleges do not provide need base aid or merit aid based on what the parents won’t pay. And a school that doesn’t meet this student’s NEED is unlikely to do so just because she calls and says her parents now won’t pay. </p>
<p>Re: buying a car…It is the PARENT’S money, and they decided to buy a car.</p>
<p>For all we know, their income is such that this student wouldn’t qualify for need based aid anyway.</p>
<p>The sad truth is that even when going to an instate public, if you’re not commuting, the cost can be $25k per year or more. Where would that come from?</p>
<p>Indiana has univs in many communities? Is there a univ that you can commute to from home? If live at home, that can be like your parents are paying $10k+ per year.</p>
<p>You need to communicate with the Meteorology program at Purdue, and find out what classes you should be taking at your community college in order to prepare for transfer. I expect that they receive many transfers from the community colleges around the state, so they should be able to help you plan your program at the CC. Meet with the transfer advisor at the CC as well, and ask about articulation agreements with Purdue. Even if there isn’t one for your major, some of the other programs should give you guidance about your choices of Gen Eds. If you can finish all of your Gen Eds and some of your pre-reqs (like calculus and general physics) at the CC, your education will be much more affordable.</p>
<p>At all big state Us like Purdue, there are a fair number of students who are working full-time in the area, and studying part-time. If you end up having to do that in order to affford to get your education, you certainly won’t be alone.</p>
<p>Read the criteria for independent student status for FAFSA V-E-R-Y carefully. Unless you can so qualify, not only do you need your parents’ financials considered for aid, you will be asked for them to fill out their part of the FAFSA each year giving out their tax info and other private data that a lot of people do not like to release to ANYONE they don’t have to, especially to their kid, a teenager that is not on good terms with them or vice versa.<br>
If you parents refuse to even release the info and their tax returns for verification for FAFSA, you are going to have a challenge in even getting that unsubsidized direct loan. Not only that, even if you get that loan, the cost of OOS tuition and fees will eat up most, if not all of that. You get $5500 for the year, half for the first term, half for the second. Look at the OOS tuition schedule. If you have ANY money left over, you likely won’t get your hands on it until well after the term begins, sometimes not even until the drop date of the term. You will need to have funds upfront to make this move and get started. You will need a place to stay, food, a place to stash your things, transportation and some money. You will need to find a job to keep yourself afloat.</p>
<p>I suggest you find something locally, make peace with your parents and get your education. Being an adult means you can do a lot of things as you please, but it also means your parents have no obligation to have to take care of you and support your or even assist you. Yet college costs are dependent upon your parent’s willingness to do all of this. So if you are smart, you work things out. Otherwise you wait until you meet independent student status.</p>
<p>If you really want to give this a go, I suggest you go to Oklahoma, if you have a place to live, find a job and then take classes in the spring term after you have some money hopefully stashed, figured out how things work, maybe even look for a job at the university or any college that gives you tuition perks and then you can borrow the full $5500 amount just for the spring term. Again, you’ll either have to have your parents fill out their part of the FAFSA or go through a rigorous process that exempts you if they refuse to do so–not easy. </p>
<p>I’m already taking my gen-eds (calculus, humanities, social sciences, physics, chemistry) and have many of them covered. I got a lot of credit from high school too. It’s time that I start taking my classes for my major, since many of those classes.</p>
<p>It’s even more awkward because the relationship between my parents and I is very closed; we do not talk, and heck I’m not even sure if we’ve ever had a serious conversation before. </p>
<p>Ok, wanting to go to Oklahoma makes sense. Can’t fault you since the meteorology program truly is outstanding. However, look at where the faculty at one of the best meteorology schools in the country did their UG <a href=“http://som.ou.edu/people.php”>http://som.ou.edu/people.php</a> You’ll find many varied majors (most of them highly quantitative in nature) as well as undergraduate institutions attended. </p>
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It’s even more awkward because the relationship between my parents and I is very closed; we do not talk, and heck I’m not even sure if we’ve ever had a serious conversation before.
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<p>Well, this doesn’t seem to fit with your first post. Wouldn’t there have been a serious conversation when it was first agreed that you would go to a CC first and then they would pay when you transfer? </p>
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I planned on going to University of Oklahoma this fall to finish my major. I already spent a year at a community college getting my gen-ed, with the understanding that my parents were going to cover my tuition for four years. They spend my college fund on a fancy new car, and now they won’t contribute. They make a lot of money so I didn’t get anything through FAFSA other than $6500 in loans per year. Even if I went to an in-state school, I’d need more loans. My credit history is only a year old, and I only work one part time job, but I’m trying to find another. My parents won’t cosign on a loan. I’m only 19 so I can’t be declared as independent, and I don’t have enough money to pay for school in my savings.
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<p>Well now is the time for a serious talk. They may not understand how college funding works. They may wrongly think that you can just borrow the costs. </p>
<p>You need to tell them that you can only borrow $6500 per year. You say that they wont pay or co-sign loans, so where is the rest of the money supposed to come from?</p>
<p>$6500 plus money from a job wont even pay for Purdue unless you could commute to Purdue.</p>
<p>The conversation I had with my parents about them not paying for school was pretty much my dad yelling at my mom and I; he just non-chalantly (?) asked me how I was going to start applying for loans when I announced my acceptance to UMaryland, my mom said she thought they were covering four years of school for me, and then my dad said he spent it all on the car and that’s where all the money went and that I have to pay for it even if they had the money. That was the end of the conversation. </p>
<p>I’m currently going to a local Purdue campus, but not the main one. Purdue, in-state, would be about $11,000 per year as I don’t plan on staying on campus (staying with a roommate is much cheaper), so only half is covered. I looked up their scholarships, and it’s far too late to apply for any. My parents make enough money to easily cover my whole tuition without any aid, so I’m not going to get any. </p>
<p>If OP attend OY as an OOS, it will cost 30k. Where is the $$ coming from? It makes no sense for you to goose up OU to student because it not a financially feasible option.</p>
<p>Basically, college funding is a situation where you have almost all of the responsibility and consequences, but your parents have almost all of the power, until you are 24 years old, married, or a military veteran (after which you are no longer considered dependent on them for college financial aid purposes).</p>