Need help! please! financial aid and scholarships

<p>I got accepted to Clark Atlanta University. The tuition is the same for all students 14,522. I am an out of state student I'm transfering from a community college in PA. My mom is on disability making less than 25,000 a yr and no father. I have no help at all with my education and the sad thing is this is where I want to attend!!!, but I cannot afford it at all. Basically I'm poor and I need to find ways to get money because I recieved my Federal Aid Award letter and this is what I recieve for the year.</p>

<p>Federal Pell Grant : 4,050
Subsidized Loan: 2,625
Offered Federal Plus Loan: 18,546</p>

<p>and financial aid only gave me: $200 </p>

<p>I'm going in as a sophmore and everyone is pushing me to go!! Yes I would love to, but I have no family or anyone to help me with over 60,000 in loans by the time I'm done. Is there any way I can ask my school for more money or any scholarships? I really don't wanna pass this opportunity. I currently have a 3.0 I'm 21 and unemployed :(. Please help.</p>

<p>So tuition is $14,522 ? is this including other expenses, books, room and board, and other fees?
If so I think it is very doable for you.
After the Pell grant and your subsidized loan, that leaves only $7847.
You can earn about $3,000 summers that can be applied directly to tuition, and about $2,000 by working during the school year that can be applied to personal expenses, books etc.
That leaves less than $3,000 in plus loans which is very reasonable, even combined with your subsidized loan.
Alternately you could continue at your community college, to earn enough credits so you could transfer as a junior, which would save money as well.
So did you apply anywhere that offers to pay 100% of your EFC?</p>

<p>All together my loans are over 20,000 just for the year. Sorry, but where can I apply for EFC I'm new to all this. I would love to transfer as a junior but not all credits were accepted :(. I have 41 credits going into Clark. Thank you.</p>

<p>Tuition: $14,522
Room & Board: $6,816
Plus Books</p>

<p>I applaud your interest in going to college. It's good that you have the emotional support of your family and friends as you make this change in your life.</p>

<p>I am a black educator and have worked with a variety of HBCUs including Clark Atlanta. I believe that HBCUs serve a very important role in soclety. With this in mind, please read my thoughts.</p>

<p>You are unlikely to get any more money from Clark Atlanta because it is attempting to dig its way out of a major financial crisis that still could cause it to close or lose its accreditation. Loss of accreditation basically woud mean that students' degrees would be virtually worthless. Employers would not take the students seriously nor would graduate programs.</p>

<p>If you are not aware of the financial problems, I have posted some links below that will give you background.</p>

<p>I do not suggest that any student take out $60,000 in loans even if they will go to a financially stable college. The average amount of loans that most US students take out to cover a total of 4-years of college is $20,000. What makes those loans worth it is that students' earning potential greatly increases for each year of college, and a $20,000 loan is usually fairly easily paid back by students.</p>

<p>Taking out more, though, is risky unless one definitely knows that one is going into a high paid field such as chemical engineering. In addition, if one is taking out such large loans, it helps to also come from a family that one knows that one can rely on help after college such as getting help with setting up a household, buying a car, periods of unemployment and even assistance paying back such a large loan.</p>

<p>In general, it is difficult to raise $60,000 in scholarship money from outside sources. Usually the best way to get scholarship money is by getting accepted to a college that offers lots of scholarship money.</p>

<p>This late in the school year, it is difficult to find even small outside scholarships. Most outside scholarships are small, and most such scholarships are either for graduating high school seniors or for students who are ending their junior years in college.</p>

<pre><code>My advice is that instead of going to Clark, which is financially on shaky ground, you'd be better off going to an HBCU or mainstream college that is more financially stable or continuing at your community college and then transferring. You can probably get into a community college in time to go next fall.
</code></pre>

<p>There are some four-year colleges that offer nice scholarships to transfer students with excellent records from community colleges. This particularly is true of some four-year public universities. There are some private universities -- particularly women's colleges -- that offer scholarships to students who are returning to school after being in the work force for a while.</p>

<p>If you wish to try pursuing these options, the Parents Forum here on College Confidential usually is good at offering helpful information to students facing major problems with their education.</p>

<p>I know that Clark Atlanta officials are publicly saying that everything is all right, but the kind of problems that are described below are not ended over night. Such major financial problems, staff layoffs, the closure of academic departments are very demoralizing for faculty and staff, too, which also probably means that students are not getting the nurturing attention that HBCUs are generally noted for.</p>

<p>Here's a snippet from a Jan. 1, 2004 article in Black Issues in Higher Ed. I could not get the whole article because it's by paid subscription only. You can, however, use a search engine to find plenty of info on Clark's situation.</p>

<p>"Clark Atlanta University, for example, has already gone the way of many corporations during these tight economic times. In October, the university announced its plan to strengthen the 5,000-student campus. Cost-reduction measures included the elimination of staff and faculty positions as well as the phase-out of five academic programs. More specifically:</p>

<ul>
<li><p>Since June, 91 staff positions have been eliminated, 27 others have been left untilled;</p></li>
<li><p>21 faculty members have taken advantage of an early retirement program...." <a href="http://www.findarticles.com/p/articles/mi_m0DXK/is_23_20/ai_112409403%5B/url%5D"&gt;http://www.findarticles.com/p/articles/mi_m0DXK/is_23_20/ai_112409403&lt;/a&gt;&lt;/p&gt;&lt;/li>
</ul>

<p>It is wonderful that you want to go to college. However, Clark Atlanta is not the one to go to now. Any college that has such serious financial difficulty is not in a position to give you an optimal education. Professors and staff will be demoralized. Programs will be losing accreditation. Employers will be suspect of the quality of students.</p>

<p>Here's an article from a 2003 edition of Howard University's paper about the situation:
"Clark-Atlanta University recently announced that it would cut five academic programs from its curriculum to offset the $7.5 million shortfall they are experiencing as a result of overspending their $100 million budget. </p>

<p>The Board of Trustees decided to cut Library and Information Systems Studies, International Affairs and Development, Allied Health Professions, the Department of Engineering, and the Systems Science Ph.D. program." <a href="http://www.thehilltoponline.com/media/paper590/news/2003/10/28/Campus/ClarkAtlanta.Cuts.Five.Programs-540847.shtml%5B/url%5D"&gt;http://www.thehilltoponline.com/media/paper590/news/2003/10/28/Campus/ClarkAtlanta.Cuts.Five.Programs-540847.shtml&lt;/a&gt;&lt;/p>

<p>your EFC is your estimated family contribution
You already have one, it is probably as low as it gets, because you are recieving maximum Pell grant.
<a href="http://www.finaid.org/calculators/%5B/url%5D"&gt;http://www.finaid.org/calculators/&lt;/a>
I realize that your loans as it stands now are over $20,000 including your subsidized Stafford and your mothers Plus loan
However, you also can take into account money that you will earn summers and during the school year to pay for your expenses.
To save money on room and board- inquire about possibly being a housing asst. Dorm advisiors usually get free housing and sometimes a board stipend as well. Have you found any scholarships?
Talk to the advisors at the cc as well as at Clark and let them know that you need more help to attend.</p>

<p>You remind me of my friend's stepdaughter. She is determined to go to a college that is way too expensive for her family's budget and is questionable in terms of value. You are looking at a school that simply does not meet their students' EFC. The only real money you are getting are the federal funds. I am not sure why you are not getting any Pennsylvania state money, as you are certainlyl eligible since you are getting Pell grant funds. I am drawing a blank on what the program is called since it has been a few years since I have been in that state, but you should be getting some money from them. But other than that, I doubt that you are going to get much out of Clark Atlanta. Is it really worth $60K to you? What kind of job do you expect to get to pay back those loans? I would not blink an eye, if there was a reasonable chance that this would truly improve your employment prospects by that much, but in my opinion, it will not. </p>

<p>If you are getting federal money, you had to have filled out FAFSA. Your EFC is what came out of those numbers on that form, which is your expected family contribution. Given the Pell grant you received, and the subsidized loan, your EFC had to be very low. Your problem is that you are going to a college that does not give much financial aid. $200 is a drop in the bucket. You may want to talk to them about this, but first of all transfers do not usually get much aid, and I don't think this school gives many students, if any, full need. You can look it up in the USN&WR Ultimate Directory as to what the school generally gives. So if you or your family cannot come up with the gap, you need to borrow it. </p>

<p>Emeraldkity has some ideas for you to consider. Perhaps another year at the cc, working ,and looking at some state schools where the tuition is less and they may give you some more grants. You can give Clark Atlantic financial aid a call, and see if there is any possiblility that they will come up with more grant money for you, and why you are not getting any of the PA state aid. I think, though, in your case, a state school would be a better deal all around. $60K is an awfully large debt to assume unless you have some reasonable chance of being able to make the money after school to repay it.</p>

<p>Adding to my previous post: One college that you might consider transferring to after finishing community college is Berea College in Kentucky. <a href="http://www.berea.edu/publicrelations/mission.html%5B/url%5D"&gt;http://www.berea.edu/publicrelations/mission.html&lt;/a&gt;&lt;/p>

<p>"Berea College has a distinctive mission </p>

<p>How many colleges </p>

<ul>
<li><p>provide every student a full-tuition scholarship,</p></li>
<li><p>admit only low-income students,</p></li>
<li><p>require all students to work in a college job,
</p></li>
<li><p>are committed to serving Southern Appalachia, and</p></li>
<li><p>are ranked as the top teaching institution in the South?</p></li>
</ul>

<p>In the 2001 edition, US News & World Report magazine named Berea the top Liberal Arts College in the South in its 14th annual ranking of America's best Colleges."* This is the seventh time Berea has received a No.1 ranking in the magazine's survey.*"</p>

<p>While it is a mainstream college:</p>

<p>"In keeping with Berea College's historical mission of interracial education and understanding, as well as the scriptural motto "God has made of one blood all peoples of the earth," the Office of Admissions has developed a Minority Services Team. This group of professionals is dedicated to assisting minority students in the college search, application, and financial aid process....</p>

<p>Of the many services offered, the Carter G. Woodson Open House, named in honor of Berea alumnus Dr. Carter G. Woodson, the father of Black History, is one of the most popular. Occurring in mid-February, this event brings African-American and other students to campus from such areas as Birmingham, AL; Greenville, SC; Louisville, KY; Lexington, KY; and Huntsville, AL.</p>

<p>Berea College was recently named the 13th best college in the United States for African American students by Black Enterprise magazine. Currently, one out of four Berea students is a member of a minority group and 17% of Berea students are African American"</p>

<p>While it's too late to apply for fall transfer admission, you could apply to transfer there in the spring: <a href="http://www.berea.edu/futurestudents/domestic/admissions/transferstudents.asp%5B/url%5D"&gt;http://www.berea.edu/futurestudents/domestic/admissions/transferstudents.asp&lt;/a&gt;&lt;/p>

<p>I know that Kentucky probably doesn't sound like as wonderful a place to go to college as does Atlanta, but if what you're after is an affordable college education, Berea could be the answer.</p>

<p>Did not see your post when I wrote mine, NSM. I think you did a great job covering the situation. I did not look up the school, though I recognized the syndrome of a school that just was not going to be able to meet a student's need. And Berea sounds like a an excellent idea.</p>

<p>I didn't see your post either NSM thanks for all this great information
I am going to print it out and add it to the pdf from carolyns post for the counseling office</p>

<p>Thank You all so much. I've been telling my mom for atleast 2 weeks now that I didn't wanna go due to financial situations I didn't realize it at first and yet she is still forcing me to go. My mom is about to file bankruptcy that's how poor we are. She is in debt trying to push me into something that I can't afford either. I thought maybe I would get a scholarship or a little more money. It is my dream to go to CAU, but right now I have to look into other options. Thank for all the help! I have to show my mom all this, because she does not understand. :(</p>

<p>I'm sure your mom's love for you is why she is trying to get you to go to CAU. She's willing to financially sacrifice for you to follow your original dream because she probably doesn't also realize that there are other, better options.</p>

<p>It really would be better if you return to your community college while continuing to use College Confidential and other resources to help you figure out the next step. This will give you the best chance of going to a four-year college that you can afford and that also will give you a good education that will help your future job prospects.</p>