<p>^^^ </p>
<p>Do you remember how much your NYU scholarships and grants were? Were they need-based? Do you remember how much your gap was?</p>
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<p>This post makes NO SENSE. Colleges are not in the business of brokering college loans. BUT students would be eligible for the SAME federal loans (Staffords) at NYU as they would be at one of the SUNY schools. If you got Stafford loans from SUNY, you would have gotten the SAME Stafford loans from NYU.</p>
<p>If you need private loans, it is not the responsibility of the college to help you get those loans. It is your family responsibility to do so.</p>
<p>^^^^</p>
<p>I think what she means is that NYU gave her a package with a big gap which meant that she’d have to figure out what to do with that. (But, I could be guessing wrong).</p>
<p>Sarah, glad you got the FAFSA thing straightened out…had a feeling it was the UB/Buffalo State mixup again as I’ve heard several others have the same problem. How that happens when the codes are entirely different is a mystery to me!</p>
<p>The reason I asked about NYU’s award is that the main federal and state aid portions of their award should be the same for UB. YAt least you could use that for planning purposes to figure out if you’re going to even need a private loan.</p>
<p>It actually does make a lot of sense. I know that colleges have nothing to do with federal loans. I meant PRIVATE loans. I am aware that it is my family’s responsibility to find private loans, but I have not yet established credit, my parents have bad credit, and I do not know any credit worthy cosigners. Somehow suny morrisville helped my brother to find loans that he was eligible for. So I would assume that suny buffalo could do the same. I wasn’t looking for the college to do everything for me, thank you. I was hoping that they could at least HELP me to find a loan that is right for me. NYU didn’t even call me back when I asked them for advice.</p>
<p>Thank you everyone for the help. It is greatly appreciated :)</p>
<p>Have your parents applied for a PLUS loan? If they apply for a PLUS loan and are turned down because of their bad credit then you are eligible for additional Stafford loans of $4000 a year. But they must apply and be turned down.</p>
<p>If the max Stafford and the additional $4000 still leaves you short then you are getting into the realms of a pretty high debt load. Certainly higher that I would want to see my own kids take on.</p>
<p>OP, when did your brother attend college? If it was more than a few years ago, then your college’s financial aid office might have changed its policies and can’t “recommend” private lenders any more. In addition, some banks aren’t offering private student loans any more (i.e. Bank of America) either.</p>
<p>*Have your parents applied for a PLUS loan? If they apply for a PLUS loan and are turned down because of their bad credit then you are eligible for additional Stafford loans of $4000 a year. But they must apply and be turned down.</p>
<p>If the max Stafford and the additional $4000 still leaves you short then you are getting into the realms of a pretty high debt load. Certainly higher that I would want to see my own kids take on. *</p>
<p>Swimcat (again) gives excellent advice. 
You can get more money from Stafford if your parents apply for Plus and get rejected (which you suspect they would).</p>
<p>And, Swimcat makes an excellent point that if you have to borrow more than that (about $10k total per year), then you are getting in the area of having to borrow too much.</p>
<p>What is your future career and how much do you expect to be earning during the years after graduation. For **every **$10k you borrow, you’ll have a monthly payment of $115 per month. So, if you borrow $30k for undergrad, your monthly payment will be about $345 per month for 10 years.</p>
<p>My mom is going to apply for the PLUS loan soon, and she will definitely get turned down. From my financial aid award letter from nyu i determined that it will cover about half of the cost of attendance, plus the 2000 extra from stafford when my mom gets turned down, I will barely have to pay anything ($3000 max). My brother finished college last year. I plan on being a registered nurse, so I will be making a decent living. Plus a lot of hospitals and offices provide tuition reimbursement.</p>
<p>*Plus a lot of hospitals and offices provide tuition reimbursement. *</p>
<p>I think that they reimburse for current employees who are seeking further education. I don’t think that they reimburse you for education costs incurred BEFORE they hire you. Or, will you somehow be employed by the hospital before you graduate with your BSN?</p>
<p>*From my financial aid award letter from nyu i determined that it will cover about half of the cost of attendance, plus the 2000 extra from stafford when my mom gets turned down, I will barely have to pay anything ($3000 max). *</p>
<p>I’m not sure I understand the above. Are you saying that if you go to UBuffalo you’ll only have to pay $3,000? Or are you saying if you go to NYU then you’ll only have to pay about $3,000 if they give you a similar award? You can’t assume that UBuffalo is going to give you the same amount of FA. However, NYU’s FA package does likely indicate how much aid you’ll get from fed and state. (Does that make sense? Did I word that right? LOL)</p>
<p>For instance…in your NYU FA package…how much does it say that you’ll get from fed grants? for state grants?</p>
<p>well I looked at the award letter I got from nyu to determine a rough estimate that I would get from UB. I would assume I would get similar federal aid regardless of what school I go to. my federal financial aid from nyu added to about $4,375. and if my parents get denied the plus loan I will get more for the stafford loan from that. my bill is going to be about $9,000. so I really wont have to pay that much out of pocket. sorry if im unclear lol</p>
<p>Ahhh! :)</p>
<p>So, it sounds like you’ll get most/all of your COA at UB covered. </p>
<p>Federal…$ 4375
Stafford Loans(about)…$ 10000 (including addition from Parent Plus rejection)</p>
<p>**Won’t you get anything from the state? ** It would seem like you’d qualify for something from the state? Maybe for fall semester??? Hope so! :)</p>
<p>COA Buffalo…Annual Costs…</p>
<p>Tuition…4970
Fees…1854
Activity Fee…190
Housing…6192
Meals…3900
Books…975
Personal…1109
Transportation…728</p>
<h2>Loan fee…34</h2>
<p>Total COA…19,952 (for a year)</p>
<p>So, since you’re looking at spring costs (about $10k), it looks like you’ll get what you need. Best of luck to you!!! Do you have your housing arranged?</p>
<p>I got 4375 per semester (stafford, unsub. stafford, tap, pell, acg). and I will get a little more from stafford for my parents getting denied so thankfully everything will work out (I wont have to borrow that much in personal loans). for some reason they sent me the bill, yet they haven’t assigned me a room or a room mate? I would think you would send a bill that includes EVERYTHING so idk lol apparently Im going to have two bills Im assuming.</p>
<p>The lady in housing said that they will assign me a room soon but they are busy sorting out transfers.</p>
<p>I have done pretty well on my sats and I had a decent gpa in highschool (1230, 3.7) plus I am hispanic, so hopefully I will qualify for a scholarship in the fall since suny schools don’t distribute scholarships in the spring (which I don’t agree with lol since I would’ve qualified for a scholarship that covered tuition)</p>
<p>Check to see if the school has a program for Latinos. The school where I work has an office devoted to Latino students. There are some amazing scholarships that are awarded through that office … they are NOT awarded by our Financial Aid Office.</p>
<p>***so hopefully I will qualify for a scholarship in the fall **since suny schools don’t distribute scholarships in the spring (which I don’t agree with lol since I would’ve qualified for a scholarship that covered tuition) *</p>
<p>Sarah, you better ask about this BEFORE you enroll. Typically, once you enroll in the spring, you’re no longer eligible to be awarded the big scholarships that are given to incoming freshmen in the fall.</p>
<p>If you’re graduating from HS early, and starting college early, you may be hurting your scholarship chances completely.</p>
<p>Find out before you start. If you wait until fall to start, you may be awarded a big scholarship, but if you enroll now, you may ruin your chances for later. If they tell you you’ll get one in the fall, even if you start now, get that in writing!</p>
<p>I didn’t graduate hs early. I was supposed to go to nyu this fall (fall 2009) but they didn’t help me with financial aid so I had to cancel my enrollment. It was a little late to apply to another school for the fall, so I applied to UB for the Spring (spring 2010). Unfortunately, if I defer my enrollment, I will be graduating a lot later than I hope to be 
Hopefully, I will find some kind of scholarship through the internet if not through the school.</p>