<p>It would be very unusual for a state school to meet full need for an OOS student (unless it was very low need that could be met with Stafford loans). Most State schools can not even meet full need for their own instate students. </p>
<p>The best thing is to apply to both your dream school and a couple of schools in your own state that may be more financially viable. Once you see all the numbers in front of you then you can make a more informed decision based on those numbers.</p>
<p>Often the only need based aid a State school will offer is federal aid and perhaps some State aid (usually for students going to their instate school). Federal aid is very limited and is not usually enough to pay the full cost of even an instate 4 year school. I have one at a CC and federal aid does completely cover his CC costs. I have another in a 4 year school (instate) and the maximums in federal grant aid (and she gets the max Pell, SEOG, SMART grants) would nowhere near cover the cost of the 4 year instate COA of a little under $20k. Fortunately she has a good merit scholarship so she is completely covered. Without the merit scholarship the maximum Stafford loans added to the grants would not cover her full COA.</p>
<p>Your federal aid will probably be very similar to what you are receiving at the CC you are currently attending. You may get a little more in loans but otherwise don’t expect a big difference . For instance the Pell does not increase because you are at a more expensive school. If you get, say $4000 Pell at the CC, then (if your EFC stays about the same) you would be getting about $4,000 at the OOS 4 year school. The maximum pell (for a 0 EFC) is currently $5350 - that is the same for a school costing $10,000 or a school costing $30,000. There are not many other federal grants you would be eligible for. The ACG is for 1st & 2nd year students only. The SMART is based on your major (nursing is not one of the SMART grant majors), TEACH is for teachers. The only other federal grant might be the SEOG. Most schools seem to only give that to students with 0 EFC and the amounts vary by school. For instance the max at my son’s school is $200 while the max at my daughter’s school is $2,000. The maximum Stafford loans for a 3rd year and above student are $7500 a year. The only other federal student loan is the Perkins which is a very limited funding loan which you may not get at all or you may only get a very small amount. Unless the school you are wanting to go to has money of their own to award (many State Us do not) then your aid will not increase to meet your much increased need.</p>
<p>Try entering your numbers. I entered some rough numbers based on what you had posted (obviously very limited info so not very accurate) and came up with possible scholarship/grant aid of around $9,000, loans of nearly $8,000, and a remaining balance of $14,000 that you would have to find a way to fund yourself. So that would mean you would be having to find/borrow $22,000 a year.</p>
<p>We are oos and one of my kids went to Arizona. We were gapped about $14K. I don’t recall any SEOG. We did ask about merit but my kid didn’t qualify.</p>
<p>Colleges will not all take your credits equally. Even when they transfer, they may or may not use them to fulfill their requirements. That’s what you want to check into.</p>
<p>Have you considered Pitt? I think it has one of the best nursing programs in the country, and it’s a state school so they might give you more money than WVU. Keep in mind that nursing tuition is a little bit higher than basic undergrad arts and sciences everywhere – you’ll be looking at $19,870 per year for WVU vs. $16,798 for Pitt. They want a minimum GPA of 3.3 for transfers, so you should be good there. </p>
<p>Regardless of where you end up, you’ll probably qualify for at least a couple thousand dollars in grant money from PHEAA, which should help a bit.</p>
<p>“That said, was your mom a PA resident that was concerned about how she was going to pay for OOS tuition?”</p>
<p>Ummm… no…New York…</p>
<p>I suppose you are letting me know that my post was off topic and not welcome here. Sorry!..If the OP feels that way! (I “followed” her to this hread after posting on another one she started, looking for scholarships for African Americans. WVU used to be an HBCU. )</p>
<p>While the OP may have a dream school on her list (that’s great), she also needs to have some affordable in-state choices. She’s a transfer student from a CC</p>
<p>She’s currently going for her BSN, and wants to eventually become a nurse anesthetist</p>
<p>Can anyone recommend some PA schools.</p>
<p>OP, you’ll have to take on massive student loans for grad school, so try to minimize any needed for undergrad. </p>
<p>Altho your ultimate profession’s starting salary is about $125k, that isn’t high enough to afford the payback for $150k in student loan debt. That kind of debt needs an income of over $200k to comfortably payback because the payments would be about $1700 a month.)</p>
Not at all. I’m not the thread police and I wasn’t inferring anything negative about WVU. My post was a suggestion that the OP’s needs may be different than your moms. As mom2collegekids posted:
<p>Definitely take a hard look at IUP and Slippery Rock, both of which offer BSN programs at an extremely reasonable price. Also – Kent State has a good BSN program, and is known in our area for giving some very generous aid packages.</p>
<p>mom2, I respectfully disagree that it’s difficult for a recent grad to pay back $1700+ a month on a $125K salary! Pharmacy and med students do it all the time and manage to pay their loans back on time, and oftentimes early. If she’s bringing home in the neighborhood of $7K a month, and paying back $2K a month, she still has over $1K a week to live on. The calculators seem to be giving consumer debt ratios such as those that banks like to see…student loan debt for a career that is high demand and lucrative is not comparable. It’s a shame that healthcare specialists must take on these higher student loans but without them our hospitals would be ghost towns!</p>
<p>Oh, cool! I absolutely love the Honors College. Went there for 2 summer programs in 2008 and 2009 and became set on it. I applied EA, so I guess we’ll see what happens in the next upcoming months!</p>
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