<p>Thank you, and I know my EFC is low, but I really don’t have a say in that. I figure ill have to take out some loans</p>
<p>Yes, scholarships and grants are best.</p>
<p>However, beyond the federal loans that will already be in your FA pkg, you won’t be able to borrow more without a willing and qualified co-signer. </p>
<p>Do you have a financial safety school?</p>
<p>Yeah, I have a safety school in every aspect haha. And what is a URM?</p>
<p>URM…Under-represented minority.</p>
<p>Oh no. I am an eighth Native American but cannot prove it</p>
<p>For merit aid, you should qualify for the Trustees scholarship which is $2000/year. If you google “Ohio State merit scholarships” you will see a list of their awards. I know OSU doesn’t meet need. Sounds like you might qualify for a Pell grant or state or federal loans, though. Good luck!</p>