Merit-based scholarship overriding need-based aid

Meet need schools generally do, yes.

But you could have full tuition merit at several schools, U Alabama, Temple in Philly, for instance. Not this year, deadline has passed, but next.

Could I transfer there and still get full tuition? I would hate to wait another year before going to college (long story)

No those are only for first year students.

Ok thank you for the help. I really appreciate it.

Hang in, some other parents may come along with ideas for you.

http://nces.ed.gov/collegenavigator/?q=Loyola+Chicago&s=all&id=146719#netprc

Historically bad in the low income categories

Not a good fit

I just saw that UAH is still accepting apps and that would be full tuition plus housing for you: http://www.uah.edu/admissions/undergraduate/financial-aid/scholarships/merit-tuition-scholarships

Not housing for me since I don’t have a 4.0 GPA but that’s a good option for me! I’ll look into it.

Ah I misread. Still, might be the thing.

I feel like @mom2collegekids knows a bit about UAH, Maybe she has something to add for you here.

Also, UAH admissions seems to be active on CC: http://talk.collegeconfidential.com/university-of-alabama-huntsville/

Do you have a weighted GPA? Because I believe UAH uses weighted when calculating merit.

chicago , you should take a gap year , and NOT enroll in college classes [ as that would mean you would be treated by colleges as a transfer student, thus greatly reducing the possibilities of Merit scholarships], and try again next year.
Here is a list of U’s that offer full tuition scholarships for Hi ACT scores-
http://automaticfulltuition.yolasite.com/

Maybe this is all too preemptive. I’ll figure out if I win the full tuition scholarship at Loyola and see where I go from there. I’m thinking of applying to some top schools so hopefully I will get full institutional aid.

thinking of applying as a Freshman ? or as a transfer student?

Applying to top colleges as a transfer student would be a waste of time, as there are far, far fewer spots open at those kind of colleges than there are for freshmen.

I’ve looked into it and seen that transfer acceptance rate for certain schools like Cornell etc often hover around regular acceptance rates. To be honest my showing in high school doesn’t represent my true academic capabilities since I had no idea I was applying to the US. I really slacked. I feel I will have a better chance as a transfer applicant with a close to 4.0 GPA, which I think I’m capable of.

I disagree. It’s certainly competitive, but not impossible.

However, many of the “meet full need” colleges become need-aware for transfer students, making it near impossible to be admitted to those schools as a transfer student if you have significant financial need. Here’s a reasonably accurate list of which colleges are and are not need-aware for transfer students:

https://en.wikipedia.org/wiki/Need-blind_admission#U.S._institutions_that_are_need-blind_for_U.S._applicants_and_meet_full_demonstrated_need

Keep us posted as to your status at Loyola . . . good luck!!!

ok, but you you will be SEVERELY restricting yourself, both as far as the # of spots that are open to transfer students as well as the chances for FA/ merit $$. Look at the # of transfer acceptances, not just the % of acceptances at those colleges.
you can find all of that data, as well as just about any other info regarding admissions on each colleges website by looking for their Common Data Sets.

Cornell is just about the only “top” college that accepts a relatively high # of transfer applicants. At other Ivys, S, MIT, etc, etc, the % and # of accepted transfer students is minuscule compared to their freshman rate.

Thanks and I’ll make sure to @dodgersmom

I’m not too fixated on “top” colleges but these colleges also happen to grant the most amount of institutional aid. I know transferring is a lot harder but my performance in college will be much better. This year I applied to three US schools, about eight total, and because of certain reasons the US would still be financially a better choice. With transferring I can apply to as many places as I wish…

FWIW, keep in mind that you have to be able to state a compelling reason for wanting to transfer, and “better institutional aid” is not going to cut it. As a first-year applicant, the most common essay question was “Why College X?” As a transfer applicant, the question’s going to be “Why do you want to transfer to College X?” And I suspect they take those answers very seriously. So just having a 4.0 GPA won’t be enough . . . you’ll be competing with a lot of equally strong candidates.

"these colleges also happen to grant the most amount of institutional aid. "

yes they do! which is WHY they receive so many transfer applications!!! And why the chances of getting in as a transfer student is so much smaller. Not very many kids want to leave those colleges once they are there.
Generous FA is much harder to find as a transfer student. And Merit $$ is even harder. So LOTS of students apply to those few colleges with deep pockets.

Give yourself more options to be able to win not only acceptances but great merit/ FA packages by reapplying as a freshman.