Parents of the HS Class of 2017 - 3.0 to 3.4 GPA

^^Oh, and we applied for FAFSA. Our EFC is in the six figures! =)) The switch to prior prior year really messed us up, so 2015 income was artificially high. Next year it should be more normal.

Only one school requires the CSS Profile (her ED school), and they make clear on their website that the profile is needed in order to be considered for institutional NEED-BASED aid. Given our experience with FAFSA, I’m really not expecting anything via the Profile, certainly this year, maybe not until I have two in college at the same time, (and maybe not even then). Does anyone think I’m making a mistake by not filing the CSS Profile this year?

@techmom99 I thought all 529’s for all kids had to be counted as parental assets for FAFSA, not just the child you are filling the form out for. That’s what I was told at any rate, reasoning is that they are aware you can use that money for other children/ed expenses so don’t really care which kids name is on the account. We are actually claiming my SD as our child in college this year for that reason. Technically we did spend more than 50% of the $ for her education expenses and as she lives full time (and we pay rent for it) at her school we don’t have to worry about the “more nights” rule. Her 529 is under my H and we have to claim it as an asset, along with the boys 529
s and pre-paid tuition accounts. None of which have hardly any money in them but they do add up lol!

@klinska there is a poster on here who made a spreadsheet that you can download and enter in all your info and it will show you what your EFC will be. You can manipulate it to see the impact of more kids in school etc. However, for FAFSA it simply divides it by the kids in school and the asset protection changes a bit. PROFILE schools have different calculations. They say that PROFILE is more favorable to the families but in our case, I don’t think it will be since we are listing 2 in school but we don’t pay 100% of SD’s expenses so I am thinking that one will show a higher EFC than FAFSA does (although for that school all that changed according to NPC was loan type anyway). Except I don’t know that PROFILE will actually show the EFC once it’s completed (anyone know?). You can talk to the schools once awards are given to discuss unusual circumstances like artificially inflated income but with an EFC in the 6 figures, likely not to get very far. I’ve not filed ours quite yet but have played around with the numbers and sadly, had underestimated a few things when running NPC’s in the past so re-ran them all yesterday with the new numbers. For us, with 2 in school it made the following differences.

School 1. No change to the net total COA/offer but the loan offered changed from $5500 unsub to $3000 unsub/$2500 subsidized

School 2. Added a grant of $6400, same loan offered change as School 1

School 3. Added a grant of just under 5K. Super limited calculator so loans aren’t even mentioned (and shows tuition from 14-15) so I take that one with a huge grain of salt.

School 4. Added about $2400 in grants. Same limited calculator, no mention of loans.

Zero impact elsewhere

I would definitely pay attention to American’s offer as I know they are known for front loading aid. Obviously for ED you don’t get a lot of say but check it closely. Personally I will be adding some info into the special circumstances section on PROFILE (regarding deadbeat/arrears NPC and my 2 layoffs and resulting tax mess as well as H having already paid for 1 kid to go to school lol). It is unlikely to make a difference but given that the school it’s for is super high on S’s list, it can’t hurt. Will need aware in general hurt his chances? Maybe. Doesn’t much matter as we will need aid even if it’s loans so I’d rather put it out there. As for doing PROFILE or not for American, I guess it would depend on whether you intend to take any loans or not to make it work if she is admitted. Some schools have different loan options than the typical federa $5500 for the students year one, etc. If PROFILE is required for those, I’d want to know ahead of time and I believe for ED that the date for filing that is usually pretty early, either 11/1 or 12/1. I’d check with them on that.

^ @klinska - I would confirm directly with the school as I have read here on CC instances of colleges and universities that require filling out of the FAFSA/CSS in the first year to be eligible to make need-based appeals in the future.

Several of you had expressed interest in a report on Goucher after our visit, so thought I’d write up a quick report. In a nutshell, we loved it. D17 and her dad [my ex] and I did the info session and tour and then she had an interview [or counselor conversation, I think they called it]. I don’t think this is the norm, but the college president showed up for the info session and spoke after the the woman from admissions [she was fine, nothing special]. President Bowen was very impressive, I thought, going both into detail on the school as well as talking about some of the more theoretical reasoning behind some of their policies/requirements etc. Even D17 was impressed [and “not bored”!]. Really like that for such a small school they are very diverse…something like 25-30% Pell students, approx 30-35% students of color. [numbers from memory but they should should be accurate] Love the required study abroad. Kids who have a lot of required classes [maybe double major or trying to do premed and something else or whatever] can do a 3 week intensive abroad program, but they really encourage you to do at least a semester. He talked a lot about going to a place outside your comfort zone and really immersing yourself, and how it’s hard to get as much out of it when it’s only a few weeks.

Had a long tour [bit over an hour, pretty long considering campus fairly small] with a chatty tour guide. Saw classroom buildings, Athenaeum [contains library, radio station, cafe etc], new freshman dorm and room. Didn’t make it to the athletic facilities as we were out of time…he did ask if there were any athletes and would have brought us over if any in group had asked for it. We needed to bail anyway bc wanted to grab lunch at the dining hall before interview. They gave us a card to swipe at dining hall for free lunch for the 3 of us, which I thought was a nice touch.
Campus as I said was small…well, I guess it’s 300 acres but the academic/living area is pretty small, but in a nice manageable kind of way. The Athenaeum was really nice [built I think in 2009] and tour guide says you end up spending a ton of time there bc a lot happens there. Was psyched to see the new freshman dorm…tour guide’s ID gets him into the building but not onto any of the floors with dorm rooms, I guess, so he had to grab a freshman on her way to her room and she showed us. Rooms not huge but really nice. That dorm is all coed by room, with shared bathrooms, just FYI. Bathrooms looked really nice also. Kitchens and lounges on each floor. Rest of freshman housed in same area in older dorms, which apparently have bigger rooms. If you select same sex [at least this year] then you’re not in the new dorm. They may change that in future and have single-sex floors.

We went to the Stimson dining hall, which is not enormous, and even at 12:15 wasn’t super crowded. The whole campus had that uncrowded feeling, which surprised D17 but I thought was nice. Lots of food options…we didn’t have a lot of time so I went for pizza, but there was a burger/fries station, a main course station, a stir-fry to order station, deli station, big salad bar, fruit bar, desserts, ice cream, bagels/bread, cereals…that’s all I can remember at the moment. Soda, milk, coffee/tea, soy milk, maybe som other options too. They are renovating the student center to house a centralized dining area that will replace Stimson [and maybe Heubeck too, not sure], and that opens I believe in 2018. Lots of talk about building projects going on–intention is to build more new dorms for freshmen and more apartment style housing for seniors. Some other stuff too that I can’t remember.

Interview seemed to go fine. They ask you to fill out a form ahead of the interview so the AO has some info to go on. We totally forgot about that and I happened to see something about it on the website while we were at the hotel the night before–had to finagle printing at the hotel, always fun. He came out afterwards with D17 to see if we had any questions.

Overall I think it would be a great fit for D17. She was trying to think of some downsides–she wishes it was a little bit bigger, maybe 2000 instead of 1500. Seems like a very liberal, open place. Towson seems like a nice area–big mall right next door, bunch of other stuff in walking distance. Shuttle to downtown Baltimore and a bunch of other colleges in the area. Can take classes at a bunch of other schools including Johns Hopkins for free [up to 2 per year]. Easier if you have a car, apparently. Freshmen can have a car on campus.

Let me know if you have any questions…this is a novel already. :slight_smile:

@kt1969, thank you for the report! We have Goucher on our list, but won’t be able to visit before applying. What did you and your D think of the vibe on campus? I’ve heard it’s crunchy, and while my D seems perfectly willing and able to navigate most “types” (including crunchy)-- which is one of her qualities that I most admire–I certainly wouldn’t call her crunchy (she wouldn’t be caught dead in Birkenstocks). Curious to see how prevalent that was on a tour/in the dorms.

@klinska Hmm, I’m not sure it was really super crunchy, honestly. I wasn’t paying particular attention to clothes but that wasn’t the overwhelming vibe. Maybe a bit more on the arty side? Actually saw a couple of kids smoking [!!] which surprised me but probably shouldn’t have. Guys with earrings/gauges, that kind of thing. But really a lot of just “regular” looking kids to me. My DS17 was wearing Birks so my idea of “regular” might be different than yours. :slight_smile: Seemed like good interaction between different races/types of kids. Forgot to mention that the president said Goucher is 30% Jewish. D17 isn’t Jewish but our town is probably close to that percentage so that will feel familiar and comfortable to her. Definitely LGBT friendly, which is important to D17. Has gender-neutral bathrooms and housing where opp gender kids can live together. Tour guide advised against boyfriend/girlfriends living together though. :slight_smile:

deleted, accidental post :slight_smile:

@kt1969 can you explain the co ed dorms a little more? Co ed rooms or co ed bathrooms or both?

thank you so much for the review, very helpful!

@eandesmom So here is my understanding: there are single-sex dorms or floors [at least for women, assume for men also], and those presumably would have single-sex bathrooms. Then there are mixed dorms where they are mixed by room, i.e. two men living next to two women or whatever, and those bathrooms are coed, or at least they were in the new freshman dorm we saw. When I was in college in the stone age, my senior year dorm was coed by room but there were separate bathrooms. Oh, and the freshman dorm did have a single occupant bathroom [maybe designated as handicapped, not sure, and also not sure if it has a shower or not] that might provide extra privacy. Then on top of that, there is gender neutral housing, where the actual rooms can be coed, or not, or whatever. Guessing those bathrooms are coed too. :slight_smile: Did that make any sense? No sense of how much of each there are, except that I feel like the tour guide mentioned the gender neutral housing as being in one location, so guessing that there isn’t a ton of that.

UCSC back in the day when i went there had co-ed dorms. Meaning there were mixed by room (only men or women in a room) BUT the bathrooms were also co-ed. But there were doors on the shower stalls, and bathroom stalls. There were certain designated single sex floors, where the bathrooms were only for one sex. But you had to ask for them.

@kt1969 so you understanding for the new dorm is that it’s single sex by room, but alternating sex rooms (mixed /co-ed floors) and then the bathrooms are shared. By shared do you mean the hallway style bathrooms and both sexes just going in and out?

S could care less mind you, I am just curious lol.

@eandesmom I don’t actually know if it alternates specifically, just that there are both men and women on the same floor. And yes, other than the single occupancy bathroom, there was a hallway style with maybe 6 showers and several bathroom stalls and sinks.

Hey all! I have a D16 and a D18 and I thought I would join in here if you don’t mind.

My D16 is currently a freshman at Goucher College, so I might be able to answer some questions.

New Freshman Dorm- All of the Freshman (that did not apply for Special Interest Housing) were put in a lottery for the new dorm. The new dorm only had room for about half of the freshman. The majority of the over-flow were placed in Froelicher Hall (Tuttle, Alcock and Gallagher Houses). Froelicher could not house all of the remaining freshman and there are a fair number scattered around campus.

There is a very big difference in living conditions between the new dorm and Froelicher (and I would assume the other dorms). My D is in one of the houses at Froelicher. The rooms are larger with more storage (a plus). The common areas are minimal (a minus). Bathroom is co-ed and serviceable. Nowhere near as nice as the new dorm. Froelicher does not have central air conditioning. They did outfit all of the rooms in Froelicher with window units this year. D16 is pretty easy-going and was not too upset about not being in the swank new dorm.

Her floor is co-ed by room. It is not 50/50 male female which would make sense since there are fare more women than men enrolled on campus. I would say her floor is about 25% male.

I’d be happy to answer any other questions. We are heading up there this weekend for Family Weekend so I may have additional insights when I get back.

@kt1969 and @GoingGrey thanks for all the information. Great timing too, S got an invite for an interview in a couple of weeks which is great. Well great from my perspective anyway, he’d probably have been happy enough with the chat he had at the CTCL event. LOL! He’s promised to schedule it tonight. @GoingGrey I would be curious on your “crunchy” impression. I don’t think it matters all that much to my S, who is more hipster than crunchy, as he has a lot of love for crunchy people lol but I would be curious. It sounds wonderfully diverse which S really wants. Size is a bit of concern, he too wishes it was just a tad bigger.

It is interesting, it is the “most” unbalanced gender wise of the schools on his list (all have more females, Goucher jsut wins the percentage award). I can only hope that translates into a larger merit offer right? LOL!

@eandesmom I didn’t notice a huge “crunchy” vibe on my visits, though my D describes her RA as a bonafide hippie:: NO shoes. EVER. Long hair. Is always playing either the digeridoo (sp?) or bongos. Kind of cracks her up.

I think artsy/quirky is more prevalent. Lots of kids with multi-colored hair. Piercings. Tattoos.

D is none of these things. She’s a ballet dancer, who when not in a leotard and tights wears the other “dancer uniform” of short dresses and ankle boots. LOL. She jokes that she stands out because her hair is a natural color.

I think the school has a bit of a “crunchy” philosophy if that makes sense. Lots of environmental awareness. Clubs like beekeeping and urban farming. Vegetarian food is readily available in the dining hall. D is not a vegetarian but has said some of the best food offerings have been the vegetarian entrees.

@GoingGrey I love it! That all works. Crunchy philosophy is pretty important to my kid so that’s wonderful.

@endesmom Yes hallway styled with both sexes going in & out. There was one bathroom & were shared by both sexes. And rooms weren’t necessarily alternating but rooms were single sex.

D12’s halls were all multiple sex floors but there were different bathrooms.

Goucher itself may have a crunchy or hippie style, but Towson is known as being more preppie. It was named as a preppie town in the Official Preppie Handbook years ago, and not that much has changed. Baltimore has many ethnic neighborhoods, fun festivals and restaurants, and I’m sure the Goucher students find plenty of interesting things to do, but maybe not right outside the gates at that big (preppie) mall.

I have what I hope isn’t a stupid question. Stupid or not, I’m asking it. For the FAFSA, what do you do if you have more than 10 schools? We are continuing to whittle the list down, but we’re still over 10. Do you select the 10 most expensive schools?

You put I 10 schools, wait until it processes (usually about a week) and then go back into the form and delete those schools and add the kthers. You have to do this every time you make a change. Choose the first 10 carefully.

You can always add more schools, but you may not be among the earliest filers and may then not get the best aid.