<p>I can answer your second question…</p>
<p>First…I think nearly everyone needs 2-3 financial safety schools - these are schools that you like, that you know that you’ll get accepted to, AND that you know FOR SURE that you have ALL COSTS covered thru ASSURED grants (like Pell and you know your FAFSA EFCl), ASSURED merit scholarships (stated on website), small federal student loans, and/or family funds.</p>
<p>If you are not certain that all costs are covered, then it’s not a safety</p>
<p>If you are not pretty darn certain that you’d be accepted, then it’s not a safety.</p>
<p>If you’re not sure how much your parents will pay and family funds are needed, then it’s not a safety. (BTW…always make sure that you know how much your family can pay each year for college. If your parents are vague, assume that there can be a problem and make sure you have your safeties in place.)</p>
<p>The reason why I think every student needs 2-3 financial safeties is this.</p>
<p>1) sometimes a person doesn’t get accepted to one of their safeties (if they haven’t thoroughly investigated acceptance data or admissions got tough that year).</p>
<p>2) sometimes the merit or aid situation at one school isn’t what you thought, or you thought family funds could cover the costs and you found out your family’s money situation has changed. </p>
<p>3) sometimes spring comes around and you find that you no longer like one of your safeties.</p>
<p>4) And, f none of your top choices work out (either acceptance-wise or financially), then if you have 2-3 financial safeties, then you will still have a choice to make in the spring. That way, you won’t feel railroaded into one lone school. Everyone likes to have a choice…it’s good for morale. :)</p>
<p>I would also like to add…some kids have a really hard time identifying safeties because they can’t get past their desire that their schools meet a certain rather picky criteria (such as having a certain ranking, prestigious name, a student body that consists of only high stats kids, etc). If safeties had all those things then they would soon cease to be safeties because everyone would want to go there.</p>