<p>Hello I am a stupid junior and had a question that sounds stupid but. I do not know about financial aid and was wondering . Do universites , like private schools give you financial Aid without loans. Like JHU Washington U in St Louis. Rice etc.?? </p>
<p>What about UC schools?</p>
<p>For Need based of course because my family makes an income of around $40,000 a year and the only thing that's keeping me from applying to these universities is the money.</p>
<p>Many schools do include loans in their FA packages…the UCs included (if you’re instate). </p>
<p>The UCs have been generous to low income families who qualify for Pell and Cal Grants. Usually the UCs supplement those with university grants, work-study, and fed student loans. </p>
<p>Since your family earns under the $70k per year threshold for UCs, you should get great aid from them if you’re an instate student.</p>
<p>Some schools (like Harvard and Vandy) do not include loans in their FA packages. It seems that those who don’t include loans (or only include small loans) are the hardest to get accepted to. </p>
<p>What are your stats?</p>
<p>do you have a non-custodial parent? If so, his/her income will get counted at many of the top schools…but not at the UCs.</p>
<p>Go ahead and apply to those schools but also apply to some financial safeties, schools that you like and know you can afford, that way if the financial aid does not come thru at the reach schools you have a “plan B”.</p>
<p>I am from Dallas Texas and attend a public school. My parents are from Ethiopia and moved here about 11 years ago. </p>
<p>GPA:3.72
Class Rank: 9
SAT: 1950 ( I Plan to take it in October again for a 2100+ with summer preparations.)
SATII: Math Level II: 800 Physics :800
Extra Curriculars : NHS Mu alpha theta, Science NHS, Beta Club, I also attend my local CC to take courses during the summer and I plan to during the school year, I volunteer at my community college where I tutor and also I assist foreign students who have trouble speaking english and practice english grammar and reading with them weekly. I am also in Acdec and UIL.</p>
<p>I know I will have strong Recommendations esp from my history teacher who I’ve had for 3 years in a row.</p>
<p>I have had a rigorous high school schedule. I have taken every possible AP my school offers. But my GPA is weak. Its because I had a horrible freshman year9 the year That i had no sense of direction but oh well I have done better since than and thats what matters , or I hope it does.) </p>
<p>I want to apply to: JHU, Washington University in St. Louis , Cornell, Rice, Berkley, and for the school I’m guaranteed to get into if all else fails, Texas A&M</p>
<p>I know being admitted to even one will be impossible but it wont hurt to try. I am currently studying for the SAT’s and am taking a physics class this summer ( becasue my school doesn’t offer AP physics ) I will also begin to work on my essays.</p>
<p>But The only thing I keep fearing is if I am lucky enough to even get admitted to one of these schools , how will I pay , even with some local scholarships. I mean I understand if the loans they give out are $2,000 or $3,000 a year but higher I would be discouraged because I plan to go to be going to school for a long time (MD)and the loans will keep adding up and I’m scared I will fall in a deep pit later in the future . I do not want to hurt my family I do not want them to have to pay or suffer for me .</p>
<p>Doesn’t TX offer a Longhorn something plan…does it only pay if you stay instate? What about Rice, Baylor, and UT? If you’re low income and have a good state aid program, that can go a long way toward keeping your debt low. Otherwise, look for schools that would offer you comparable packages via tuition waivers and merit aid.</p>
<p>xscaffeine,
this website .
[Project</a> on Student Debt: Financial Aid Pledges](<a href=“http://projectonstudentdebt.org/pc_institution.php]Project”>http://projectonstudentdebt.org/pc_institution.php)</p>
<p>Milkandsugar. THANK YOU VERY MUCH!</p>
<p>I think Texas aid if only for those who go to school instate. Rarely does a state provide aid for a student to go OOS.</p>
<p>Are you a citizen or green card resident?</p>
<p>*
I want to apply to: JHU, Washington University in St. Louis , Cornell, Rice, Berkley, and for the school I’m guaranteed to get into if all else fails, Texas A&M</p>
<p>I know being admitted to even one will be impossible but it wont hurt to try. I am currently studying for the SAT’s and am taking a physics class this summer ( becasue my school doesn’t offer AP physics ) I will also begin to work on my essays.</p>
<p>But **The only thing I keep fearing is if I am lucky enough to even get admitted to one of these schools , how will I pay **, even with some local scholarships. I mean I understand if the loans they give out are $2,000 or $3,000 a year but higher I would be discouraged because I plan to go to be going to school for a long time (MD)and the loans will keep adding up and I’m scared I will fall in a deep pit later in the future .*</p>
<p>Well, a lot will depend on a few issues…</p>
<p>1) residency/citizenship status</p>
<p>2) Parents’ income/assets</p>
<p>3) a school’s generosity</p>
<p>4) your stats.</p>
<p>How much will your parents contribute each year?</p>
<p>Since med school is in your future, you’re wise to want to keep undergrad loans to a minimum. You’ll need to save your borrowing power for med school.</p>
<p>Also take the ACT, some do better on that.</p>
<p>Apply to Vandy…</p>
<p>I am now looking at Vanderbilt University and it looks like a great universtiy thanks for the information…</p>
<p>I and my parents are citizens. And like I said my parents make a total of about $40,000 a year and so I think mabye 3 or 2 grand is about as much as they can contribute. </p>
<p>Stupid question but , does being a citizen help?</p>
<p>and Milkandsugar when I was looking at the list I noticed Johns Hopkins my dream school was not on there. Do they not give out good financial aid?</p>
<p>Hmm…thought TX was part of the western tuition exchange and some states do have reciprocity/portability for grants (for example, VT grants can be used in NY and I think most of NE reciprocates with each other). Would be worth investigating, especially if TX offers grants that can be stacked with scholarships.</p>
<p>@xscaffeine,
My D got into JHU and they gave her very good FA. Better than the current school she attends, But they also put in federal loans into the package.</p>
<p>Forget the UCs, they do not give the aid mentioned above to out of state students. You will have considerably more than $3K loans per year at all but the top 10 or so schools with generous, no loan, aid like the top ivies. </p>
<p>JHU is not a great aid school for all, but they do give good aid to those they want the most. Even with their best aid though expect to borrow over $20K for the 4 years.</p>
<p>With your family’s income Rice will likely pay all your costs and not require ANY loans (if you get in - that’s the hard part). From Rice’s financial aid page:
Its a fantastic premed school. Good luck</p>
<p>Thank you MSmom&dad, Redroses, milkandsugar,mom2collegekids and kela10 for your help.
I now know a lot more than I did a week ago because of you guys.
THANKS!</p>
<p>Since your family is low-income (is that both parents’ income), you can qualify for the best aid at the limited number of schools that give great aid. </p>
<p>Take the ACT, too. In your situation, the best stats are needed to get into the best schools that give great aid.</p>
<p>And, keep in mind, that some schools give “preferential packaging”. That means that two kids with the same “need” (same low income) will not get the same FA package. A better FA package will be given to the student with the very high stats. Right now, your stats aren’t high enough.</p>
<p>What was your SAT breakdown?</p>
<p>680-Math
660-Critical Reading
610-Writing</p>
<p>I will look at the ACT. It is just I have put much effort in studying for the SAT and will continue to. So I want to give the test one more shot because my practice test scores have improved a significant amount and I believe i can pull a 2200 in October. I also plan on taking the Bio subject test in November.</p>
<p>That’s not bad. With your scorcehoice, you can likely push it up to at least a 2200 with just one or two more retakes, and likely with just one depending on how well you feel on the day of the exam.</p>
<p>Well, I wouldn’t count on getting up to at least a 2200 with score choice or even with super-scoring. </p>
<p>I don’t mean to be negative, but I’ve just seen too many kids only be able to raise their overall sitting score by about 100 points - even after studying.</p>
<p>Take the ACT…you may do better on that. The math is easier. Get a practice book and look over the Science Reasoning section so it won’t be unfamiliar to you.</p>
<p>Luckily, your M+CR score is pretty good. Some schools really only look at that. :)</p>