<p>Pierre, she said that her parents will be contributing little to nothing…so it doesn’t matter if they’re making $100k or 1Million. She can’t afford an OOS public like Purdue if they won’t contribute.</p>
<p>Her quote: “My parents make ~100k but will be contributing little, if at all.”</p>
<p>Picture her getting FA packages from OOS publics and privates that state her EFC is $25k (which her parents aren’t paying), a loan offer, and then some big ole’ gap. What’s she supposed to do? </p>
<p>So, there’s no point in suggesting OOS publics or privates who won’t give her great merit. Her EFC will be too high, her parents won’t be paying it, and OOS publics are lousy with FA. Her best hope is great merit $$ or in-state public</p>
<p>BTW…BU doesn’t give many/much merit scholarships, so that’s another concern.</p>
<p>As you said, mom2collegekids, I would get little FA to OOS publics, and therefore am weary of applying to many. I have chosen to apply to UMN due to their low OOS tuition and USC-Columbia just to see what happens(and hoping that I have a shot at getting instate tuition). I also want to add that you are very helpful mom2collegekids!</p>
<p>I honestly do not want to stay instate. NC State is by far my last choice but I realize that I need a school that I can without a doubt pay for if accepted. I’m not interested in applying to UNC, and since I have a better chance of getting into State, don’t think I need to. Also, UNC is best for their humanities, and I personally know several people who went for the sciences and regret doing so. Even if i do not pursue engineering, I will be doing something in the sciences.</p>
<p>I visited Northeastern and felt that it was not right for me.</p>
<p>I will look into Alabama, the scholarships sound great.</p>
<p>I had a 2020 on the SAT and a 3.8 weighted GPA from a top 100 high school and I got a $15,000/year scholarship from Northeastern. This brings the total cost down to about $35,000 which is still comparable to a out of state state school.</p>
<p>A private school with financial aid can be about as much as an OOS public. Yes, about $35k…but that’s the problem. The OP can’t afford that, so it may as well be $50k. The OP can only seriously consider an OOS public if that $35K is MUCH further reduced by merit. </p>
<p>The OP doesn’t want to go in-state, and that’s fine. Many kids want to go OOS (like you Pierre ) So, for the OP to get what she wants, while having little-to-no support from her family, she has to pick a school that will minimize what she’ll have to pay herself. </p>
<p>That’s why she needs suggestions like Bama which will give her free tuition, plus $2500 a year (which is about her food cost). That will only leave her to have to cover her dorm, books, a little balance on food, and personal expenses. That is about as low as she’s going to find going out of state. Maybe, her parents can “kick in a little bit” and pay for her dorm or meal plan or books or something. I’m trying to minimize what she would have to pay herself as much as possible. Whatever she can earn from a summer job can also help with her costs. A part-time job during the school-year could give her some pocket money. :)</p>
<p>The nice thing is that Alabama has a fabulous campus, great honors programs, and strong academics, so it’s not like she’d be accepting money to go to some awful school. It’s a win/win for her.</p>
<p>GWU is a great school but a) its a private school in DC, which means it has ridiculous tuition on top of ridiculous property rates which means super expensive. Granted they do have decent financial aid (the average package is 35k) but you won’t meet average financial aid if your parents make 100k a year. And the tuiton plus room and board is 51,000/year. Your GPA should get you in, but it won’t be with a substantial scholarship – so you’re going to be very much in debt by the end of your senior year. It’s a great school and has the cheapest room and board of the Big 3 in DC (American, Georgetown, and GW) but you really might want to consider your In-State Public Schools, or safties where you can get a bigger financial scholarship.</p>
<p>Thanks for the responses, but I am not looking for opinions on my school list. I realize that some of my schools are expensive, but why should that stop me from even applying to schools that I love? You never know what will happen but if I can’t afford it, I can’t afford it. That is why I am looking for safeties. There’s no reason not to apply to dream schools if I also have financial safeties.</p>
<p>I also want to add that from what I have been told, if my parents DO help, it will be in the future. As in, I will take out all of the loans to pay for college, and they will help to pay them off if they are financially able to when I graduate.</p>
<p>You’re right that as long as you have some financial safeties, there is no harm in applying to some pricey schools that might be unaffordable, if they are unable to meet your financial needs. As you say, you never know what might happen And, we all certainly hope for great things for you. </p>
<p>And, like you said, as long as you have some good financial safeties as backups, you can’t end up empty-handed. :)</p>
<p>Glad to hear that your parents may help you with loan payoffs if they’re able. That’s encouraging. Glad to hear that they want to contribute if they can Of course, you can’t count on that since they’re not sure if they will be able to. But, it’s still nice to hear :)</p>
<p>For instance, if you were to borrow $12k per year, you would owe $48,000 at graduation. The monthly repayment would be: $552.39 per month for 10 years. </p>
<p>Discuss these kinds of various loan amounts/payments with your parents. Some parents - who’ve never had student loans - have never estimated the monthly payments or the length of time. They may say, “we should be able to help with that,” or they may say, “we had no idea that the payments would be that high or for that long.” Either way, knowing the facts is always the best thing in the long run! :)</p>
<p>Thanks! I will definitely talk to them about the loans and everything. I think we’re all kinda waiting for acceptances/FA packages before seriously discussing anything.</p>
<p>Does anyone know anything about Auburn? Would I have a fairly good chance of being admitted? What about FA and scholarships?</p>
<p>You wouldn’t get any FA because your family income is too high, just scholarship.</p>
<p>So, the COA at Auburn is about $34k…so that would leave about $22k per year uncovered.</p>
<p>Your best scholarship offer for OOS (I think) is Alabama, since it would give you $20,500 per year (full tuition + $2500), and it’s COA is about $31k (and that’s including the pricey dorms - there are cheaper ones.)</p>
<p>Santa Clara is wonderful. Nephew applying. But, won’t be a souce of money for the OP. Her family income is too high for any decent need. Her stats aren’t high enough for merit at SCU (plus SCU requires FAFSA for merit ). SCU also likes to reserve its merit for URMs. (just look at the merit winners in past alumni magazines)</p>
<p>UPortland might give her some merit, but not enough to overcome the $45k+ to attend. Even a $20k award (which would be huge for her stats), would still leave her with $25k a year gap.</p>
<p>I think for a school to be truly do-able for the OP, she needs all costs covered, except for about $10k (at most ) per year. That would still leave her with a $40k debt…whose monthly payments would be, $460 a month for 10 years (certainly not small potatoes).</p>
<p>Don’t forget, scholarships do not reduce EFC. EFC will still be a gap on top of whatever other gaps/loans there are in the FA package.</p>
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). SCU also likes to reserve its merit for URMs. (just look at the merit winners in past alumni magazines)</p>