<p>No. They saw my fathers income and they reduced our financial aid. I’m calling my school today to tell them my situation. I need to know if computer literacy will be taken by my prospective colleges. If not I rather take a course like statistics which I need anyway for Cornell.</p>
<p>If anyone wants to read my essays ask me. I would love the feed back</p>
<p>You can’t ask your own school if the computer class will transfer, so don’t base your decisions on what your advisors tell you. It is entirely up to the school you’re transferring to. </p>
<p>I’m just curious - not to be a downer, but in the worst-case scenario - if you don’t get into the top schools you’re applying to, are you still going to consider transferring to an equal or lesser school, or would you still try to stay at your current school? This is something to consider as well - picking a “safety” that you genuinely like and think you’d be happy attending for 2 or so years if things don’t go well with your other schools. </p>
<p>Yes, a lot of schools do have the computer classes, but as njfootballmom stated, they’re generally not considered very rigorous courses. Which means, even if it would transfer, getting an “A” in that course will not necessarily help you to get into Cornell since there are students with much more rigorous schedules getting “As” as well. So consider how rigorous your schedule is when picking classes if you really want to be competitive (but also be realistic with what you can handle and keep your grades up).</p>
<p>Equal maybe, lesser defiantly not. I’m taking 18 credits next semester (school only allows 19.5 credits max) which include Gen Bio 2 with lab, Gen Chem 2 with lab, Public Speaking, Computer literacy with lab, and U.S history 2. 4.5, 4.5, 3, 2, 1, 3 credits respectfully. I’m also taking Calculus and maybe a foreign language over the summer. Next year I’m taking Orgo chem one and 2 with their labs, bio electives, and philosophy with a history class or two. I know CL isn’t a very rigorous course, but its required by my school and it has to be completed at the end of your Sophomore year. Everyone has to take it so it shouldn’t be hard any way</p>
<p>If you’re planning on going to medical school, accummulating substantial debt that you will be incurring as an undergrad from a school you’re NOT getting a degree from is a VERY BAD idea. I don’t understand why YOU think the decision is all YOUR decision when the funds are not coming from YOU and your parents have already said they don’t want to pay so much for your undergrad education. </p>
<p>My D applied to transfer after her 1st semester & was admitted so she entered her new transfer U after 3 semesters. There is no hard & fast rule as to how long you have to stay at one school before transferring. You need to ask each school you plan to transfer as to what courses they WILL or WILL NOT give transfer credit to. </p>
<p>Hope you have a good understanding of how you will be paying back debt & loans incurred for your education if & when your folks decide to stop paying.</p>
<p>Oh as long as I maintain a 3.5 and score at least a 25 on the MCATs med school won’t be a problem in terms of cost. My dad introduced me to one of the big shots on his air force base that said as long as I meet that criteria, I have a very good chance of receiving a military scholarship for med school. The 37,000 dollars that are coming from my current university won’t be a problem. But again thats only if I meet and keep those marks.</p>
<p>A good CHANCE of receiving a scholarship and actually RECEIVING it are not one and the same thing. From the folks who received military scholarships I know, getting one is HIGHLY competitive, especially if competition for them continues to increase and the number of scholarships they offer falls due to cuts in military spending. It is quite difficult to predict what the federal government will do, but cuts are definitely on the table with everything else, INCLUDING the military & scholarships. </p>
<p>If you saddle yourself with a significant amount of debt NOW as an undergrad, it can grow while you continue school and/or don’t get a job to pay it off. $45K/year is a LOT of money. Having debt grow & grow while you don’t even had said expensive school listed on your diploma is hard for many of us parents to understand.</p>
<p>He actually said you’re pretty much guaranteed it. If I move in with my friend the debt will only be 37, 000. But unfortunately I still have to transfer.</p>
<p>“Only 37,000.” Do you realize what that actually costs in the long run? Do you know that with interest, you may end up paying 50, 60, or even 70k+ until that debt is paid off? And organic chemistry is a weeder class - don’t expect it to be an easy A. A 3.5 GPA might seem easy as a freshman, but you have far more difficult courses ahead of you.</p>
<p>And you need to learn not to take what people tell you at face value. Unless it is written in a contract at this moment, you have no way of knowing what medical school will cost you. You have no idea what you’ll get on the MCAT (people with straight A’s in school sometimes find that they are quite bad at standardized testing). </p>
<p>It really sounds like you have no plan at all other than hoping that everything will work out like a dream - you don’t seem to have any legitimate back-up plans (or schools), or ways of paying your debt if something falls through. These are things you NEED to start considering. Being a smart student isn’t all about getting A’s. It’s about being prepared and having a plan for your future beyond just hope.</p>
<p>My back up plan is becoming a physician assistant if med school doesn’t work out. Like I said I really can’t pitcher myself doing anything else outside of the medical field. I don’t like teaching, I don’t want to get a civil service job like my father, and I have no interest in becoming a lawyer or economist. The only thing that interests me are science related jobs. I’m not going to force myself doing something I don’t like for the rest of my life. I don’t see how 37, 000 could turn into 70,000 dollars that just seem ridiculous. I do have safety schools. Just because I’m applying to academically superior schools does not mean their schools I’ll have a difficult time getting into. But this world is cruel and unpredictable so I could find something else that interests me or not in the next 3 years. My biggest fear is winding up like my neighbor. Went to college for marketing and as of now only works as an admissions assistant at a high school. Lord knows how much debt he has. Society is a big problem to for it sees state schools as academically inferior to private schools. I fell for this and look were I am today. But sometimes I wonder if college all together is just a scam. You work hard, you get all As, you stay in line and at the end you get a little peace of paper that’s only used as a wall decoration. I’m in college for medicine and if that doesn’t work out, why should I be there at all? State school tuition is on the rise and a storm is coming and once people realize what college is, the bubble will burst leading to an economic disaster.</p>
<p>Hun, interest accrues as the loans are deferred. You could easily tack $2k+ a year onto your loan in interest until you are able to make full payments. I think you need to look into these things. </p>
<p>I took out a loan for 11k. If I took the full 20 years to pay it off at minimum payments, I’d be repaying a total of $44k. Just for that one loan. You will say that you’d pay more than the minimum, but your expenses will be far greater. And then a car, and car insurance. Your home, buying furniture and appliances for that home. The expenses just keep coming and you might not be able to put as much money as you think into that loan, so it keeps growing. You really need to sit down and read through all of the terms on your loan and understand them. </p>
<p>And it is not a piece of paper. It represents the knowledge you have, which does not always just mean dates and facts - it is also the development of your critical thinking capabilities, strengthening social skills and becoming more independent minded.</p>
<p>OP,
I am concerned that you really don’t have a solid grasp of the effect debt of $37,000 PLUS whatever debt you get this year and debt you get at wherever you transfer will add up to and how that will really limit your choices going forward. Most debt continues to accrue interest every year until it is paid off, including educational debt. Educational debt CANNOT be discharged, even in bankruptcy.</p>
<p>It is not all that easy to get whatever you choose–med school, PA or anything you happen to decide you want to do. Debt you have will be a factor as well. Unless you have a written contract that you have received a scholarship, you just have an empty promise that is conditional on a lot of things that have not happened and may never happen. The person making the promise may no longer have a job when you want to get your scholarship, your grades may not be high enough to be competitive vs. the others. Your scores may not be high enough to be competitive. </p>
<p>At this point, you are not showing that you have the ability to adjust your plan to fit changed circumstances. Your writing shows a lot of mistakes (poor word choice) that may be reflected in your future grades, MCATs, and future courses.</p>
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<p>Please don’t judge these posts as my writing ability. I scored an 11 on the SAT essay so that shouldn’t be a problem in this particular field. So far I didn’t take any loans out besides the loans the school gave me. At the end of this year, I won’t be in bad shape at all but I do have to make radical changes in order to survive another year</p>
<p>But I do have another plan. I could transfer to SUNY Orange, SUNY Dehli, or SUNY Gen. These are academically inferior schools compared to Scranton, but they only cost about 6,000 a year. Two of them even have transfer agreements with Cornells CALS which will guarantee me admissions as long as I have a 3.0 or a 3.5 depending on the major. However. this will require me to transfer twice and I’m a bit skeptical about that. How will this affect grad school ? Or potential employers?</p>
<p>Scoring well on your SAT truly does NOT reflect how well or poorly you write. Everything I have read about the writing score reflects that. What is the total of loans you will have acquired by the end of this academic year, including the “loans the school gave you”? It doesn’t matter where you acquired them, they are still loans and will need to be repaid and will add to the total you owe.</p>
<p>If you want to go to med or grad school, the school where you get your UG degree is MUCH more important than whether you spent one or two years at your dream U racking up debt. Most employers do not really care whether you spent one or two years at your dream U but are more interested that you got your degree, preferably without racking up huge debt. If you go to med/grad school, where you get your final degree is much more important than where you went to UG anyway.</p>
<p>Some employers are very skittish about hiring people with significant debt burdens; I know that one of my employers had us all submit credit reports every year. We were never told why but employees who didn’t want to comply were not renewed at the ajob.</p>
<p>I transferred twice - no one particularly cares, especially if it is due to finances. I usually only list the college I got the degree from on my resumes, and graduate schools don’t care so much as long as you accurately report all transcripts and didn’t transfer due to poor grades or probationary reasons. </p>
<p>In all honesty, you really are over-estimating Scranton. It is neither well-known enough or selective enough to be worth the $37,000. Most schools aren’t. When you are 30 and paying out the butt in student loan debt and trying to buy a home or start a family, the “superiority” of your college won’t mean anything - you could pursue the same career path at a more affordable school and actually have something to look forward to in the next 10 years other than debt. It’s your choice. And those loans “the school gave” you - those collect interest in the same way as private loans, so you are still paying back more than $37k. Even if they are interest-deferred, unless you are paying it off in one lump sum after graduation, the principle will only steadily increase.</p>
<p>HImom - I know one reason why employers care about debt is that employees with excessive debt may be more inclined to accept bribes or steal from the company than those who are not burdened with debt.</p>
<p>I researched something into Cornell’s CALS contract with other schools. I was thinking about transferring into Morrisville then transfer into Cornell. The only thing is my program ‘‘biological sciences’’ is not part of this. So I could transfer to Morrisville (which is unranked) then go to Cornell but may not be able to major in biology. I’m calling them up tomorrow to explain this.</p>
<p>What do you mean not part of it? It’s not part of the transfer contract, or their program is just too different from Scranton’s program? Or they don’t have the major at all? There may be something similar, or some schools allow you to “design” your own major and take courses that will help you transfer smoothly. Or you might be able to remain “undeclared” at Morrisville and then transfer to Cornell for biology, if they allow you to do that. Ask about each of these options. You want to make sure you’re taking courses that will fulfill Cornell’s bio requirements, and not just what Morrisville (or wherever) requires. Some school programs have a few added (or fewer) requirements for different majors that set students back a semester or a year, which is costly. </p>
<p>Also, if you plan to transfer twice, then apply and transfer NOW. It’s tough to transfer in for just your senior year. You’d be applying to med school before you really get to know any of your profs (unless you be sure to keep contact and strong relationships with profs at your former schools). And you’d only have 1 year with profs at one school, and 1 year with profs at another (or maybe only a semester with them, which means not really getting to know them/less powerful letters of recommendation).</p>
<p>Its right here read the part about biological sciences. [Transfer</a> Agreements](<a href=“http://cals.cornell.edu/cals/prospective/admissions/transfer/external/agreements.cfm]Transfer”>http://cals.cornell.edu/cals/prospective/admissions/transfer/external/agreements.cfm)</p>