Parents wont pay for anything...

Paying for College
41

<p>So in one generation we went to having babies is a choice, to if you want to go to college, pay by joining the military…but decide if you Will always agree with the cause, you do not get to choose your wars…to if you give birth, your child might think you owe them the college of their choice, …and later…you have no hope of retirement; maybe you should give your kid what they want, and hope they will take you in when you can no longer produce income.</p>

<p>OP, I don’t know about Sac for retirement, but in Solano county, I think I need about 1.5 mil in protected retirement funds I hope retire in ten years, and live 15 more years…not sure about the numbers because I’ve given up. H and I are physicians and we have no hope. So …yeah…</p>

42

<p>California has a great CC to UC programs, if your parents aren’t going to give you any money then your choices are going to be very limited, but why would you not take advantage of the great California CCs? This even makes more sense if you’re looking at all the years it will take to get through med school. With money saved from working you might even be able to find an apartment to live in with some other students? </p>

<p>You say your parents won’t let you work, but frankly, if they are telling you that they will not contribute to your education you really don’t have a choice and you need to sit down with pen and paper and spell it our (financially) for them calmly and as in as mature a matter as you can and point out that while you understand they are not going to contribute it is a Catch 22 for them to ‘forbid’ you to start working and saving money so YOU can pay for your own college and then go find a job. It’s a tough spot to be in, I get that, but it happens (parents not contributing) far more often than it doesn’t happened. My oldest son had a friend who was a senior scholar who had to say no thanks to top 4 year colleges and go the CC transfer route because his parents, both college educated professionals, would not pay for his college. We can debate if that’s insane or not, but the bottom line is that if it happens to you ‘for real’ you need to figure out a viable plan.</p>

43

<p>Don’t do military unless you WANT to go because you WANT to serve your country.</p>

<p>Yeah, you may think your parents suck, but at least they want you around. As for your lack of freedom, you aren’t alone! My parents won’t let me date, get my driver’s license, leave the house, use the computer without their permission, or eat without their permission. It sucks, but we gotta cope. XP</p>

<p>Well anyways…</p>

<p>My parents won’t pay a dime, PLUS I would be 17, a minor, my freshman year of college, so I considered going to West Point.
I started applying and everything, and was accepted to their Summer Leaders Seminar…
… and then I woke up.</p>

<p>My reasons for going to West Point were childish, selfish, and stupid.
I wanted free money, freedom, a free education, and I was doing it because my parents told me too.</p>

<p>I did not want to exert myself physically, nor did I wish to endanger my life.
The Summer Leaders Seminar taught me a lot about what it meant to be a West Point cadet, and about myself. It takes a very strong person to go to West Point.</p>

<p>My parents still refuse to pay for college, and because I withdrew my application from West Point, they have become quite angry, and harass me on a daily basis. It is not unusual for me to be forbidden from eating dinner when they’re in an especially foul mood.</p>

<p>So what am I currently doing?
I’ve applied to Alabama State University, Louisiana Tech, and the University of Texas at Arlington. They’re nowhere as prestigious as West Point, but they all have something in common: good scholarship money.</p>

<p>Do some research. Find a school that is affordable with a good medical program.
Ask your counselor for advise. I found a solution; I’m sure you can too.</p>

44

<p>I talked to my dad and explained to him how applying to only 2 colleges won’t be the best thing to do because of my less than spectacular chances of getting into UC Davis and how Sac State has only about a 30 percent med school placement rate. I was able to convince him to pay for 3 more applications other than UCD and Sac State. Now the issue here which of the colleges should I pick out of UC Merced, UC Santa Cruz, UC Riverside, CSU’s Chico and San Diego. He said that he would be able to contribute 7-8000 a year. I looked at the financial aid stats for all of the colleges I want to apply to and it looks like I would be good even including room and board at the CSU’s but the UC’s I’m not sure about. So is it worth it to take out extra student loans to go to a UC to make it look better to med school or should I stick with a CSU?</p>

<p>@TheAsp, I feel like you are in the same boat as me. I looked into the colleges you gave me and the deep south is definetly not for me. But I have applied to a bunch of privates with free applications all over the country with hopes of recieving a decent aid package.</p>

45

<p>Santa Cruz, Riverside, San Diego State. Free advice! Worthvwhat it costs.</p>

46

<p>Here is my take on your original post - the main problem is that your parents are ‘over protective’ and want you to live at home (or maybe it is to save money). So they are only letting you apply to schools nearby. I think if I were in your shoes, I would ask for a compromise - you agree to live at home and go to a CC for two years. (saves a ton of money and you are still at home under their watchful eye). After two years of proving your worthiness (good grades, working part time), they allow you to transfer to a 4 year school that would be good for med school and lets you wean away from your parents. If you like UC Davis, they have transfer agreements with the CCs, so if you meet all the requirements, you can get in fine. The money saved during the first two years could be used to pay for board the second two, or saved for med school. Can’t hurt to ask!</p>

<p>ps I know you would rather live away from home sooner than later, but since you
really are tied to their pocketbook right now, you will have to be the one to ‘bend’ the most.</p>

47

<p>* I was able to convince him to pay for 3 more applications other than UCD and Sac State. Now the issue here which of the colleges should I pick out of UC Merced, UC Santa Cruz, UC Riverside, CSU’s Chico and San Diego. He said that he would be able to contribute 7-8000 a year*</p>

<p>UCMerced…you’ll likely get in and because they want more students and may be financially generous. And not too far. (I think this will be a winner for you…small like a private…individual attention…and they WANT students.) another PLUS…everything is new there …unlike some of the UCs/CSUs that have old stuff that hasn’t been updated. </p>

<p>UCSanta Cruz…you’ll likely get in, not sure about money, not too far.</p>

<p>San Jose State…better school than Sac St. Affordable. This is a better financial safety.</p>

<p>Did you look to see if you qualify for Blue and Gold? If so, that will make a HUGE difference. It looks like the income may be ok, but not sure about assets. The wording on B&G is confusing about whether they only look at income or if they also look at “need” after filing FAFSA.</p>

<p>I don’t think it’s a good idea to try to go so far away (like UCR) that travel becomes another cost.</p>

48

<p>As a freshman, you can take out $5500 in student loans…and that’s it in your own name. Will that amount of loan money enable you to pay the full cost of attending college as a UC or CSU student living on campus? I’m not sure how those numbers will work for you. </p>

<p>I’m not not sure $5500 plus the $8000 your parents will contribute is going to cover the costs of a residential college. Did I miss some other source of money for you?</p>

49

<p>Wouldn’t blue and gold apply?</p>

50

<p>

</p>

<p>This is in the first post on this thread. If the income is above $80,000, I don’t believe the student would qualify for any Cal Grant funding including Blue and Gold.</p>

<p>CA folks…isn’t that correct?</p>

51

<p>^^^</p>

<p>If income is above $80k, then no B&G.</p>

<p>there’s also some ambiguous wording…</p>

<p>Be a California resident
Demonstrate income below $80,000 with financial need, as determined for federal need-based aid program
Be in your first four years as a UC undergraduate (first two for transfer students)</p>

<p>So, if the family has a lot of assets and no financial need, then I don’t think they would qualify even if income is below $80k.</p>

<p>From the OP: </p>

<p>* my parents have the financial capacity to pay for tuition and for room and board, its just that they don’t want to. I know this because I have filled out my parents tax forms for the past 3 years and they are doing pretty well financially. And some of you point out that California is super expensive well that may be true for Southern California, its nearly the opposite in Sacramento where I live. My parents own two homes, one a rental and one where we live in and the first was brought for 80k in 1996 and the current for 250k 2 years ago*</p>

52

<p>Ah… oh well…</p>

53

<p>I thought that the UC application fee covered three campuses of your choice. Do you have to pay for each one now, separately?</p>

<p>Living away from home is expensive, but do they want you to live at home even if you get into Davis? </p>

<p>If so, then applying to other schools won’t help, unless you can come up with the money to live on campus yourself. Would you consider postponing school for a year to work and save money?</p>

54

<p>'The application fee is $70 for each UC campus to which you apply. You must include the fees with your application or it will not be processed. "</p>

<p>[University</a> of California - Application fees](<a href=“http://www.universityofcalifornia.edu/admissions/how-to-apply/application-fees/index.html]University”>http://www.universityofcalifornia.edu/admissions/how-to-apply/application-fees/index.html)</p>

55

<p>Thanks, shrink. This is sort of new. When my last kid applied in 2006, one fee covered three schools. I think I remember that right, anyway. :rolleyes:</p>

56

<p>My kids applied HS class of '08 and '11 and had to pay per campus at UC’s and CSU’s. Getting SAT’s to each school is still uncertain; we paid to send to each school, but some info suggests for UC’s, only one is necessary.</p>

57

<p>OP, I’d suggest talking to your school counselor to find out which schools are a good bet. Since you are going to be using a small number of applications, you really want to make each one count. Find out if students from last year with similar stats to yours were accepted at San Diego State and the other campuses in which you’re interested.</p>

<p>You could also try starting a new thread asking for help in finding schools where your stats would get you enough merit aid to make them affordable for you. If your household income is $80-90k a year, your EFC (the amount your family is expected to contribute each year) will be roughly $20k-$33k. Even on the low end, that’s far more than what your parents say they will pay.</p>