<p>eastafrobeauty,</p>
<p>I read the entire thread and the other thread you posted on on the college admissions forum. I can talk to you as a GC (who has worked with a lot of low income URM students), I can talk to you as a URM parent, I can talk to you as person whose kid is fresh off the law school admissions cycle (GPA and LSAT). </p>
<p>The net-net is this:</p>
<p>You are going where your grades and money take you. </p>
<p>Run your numbers through the financial aid calculator. You can use the college board using the federal methodology of the FAFSA4caster ( [FAFSA4caster</a> - Federal Student Aid](<a href=“http://www.fafsa4caster.ed.gov/F4CApp/index/index.jsf]FAFSA4caster”>http://www.fafsa4caster.ed.gov/F4CApp/index/index.jsf) ). This will give you an idea as to how much your mom’s EFC (expected family contribution) will be.</p>
<p>Sit down and have a realistic talk with your mom about how much she is going to borrow and pay for your education. If she says she can only pay “X” amount of dollars do not think that the money fairy is coming to your house to make up the difference.</p>
<p>While you like Howard and may be your dream school, school at the end of the day it is not about getting in to Howard, it is about paying for Howard. With your stats should you get into Howard, you are going to be freight payers minus any federal aid that you are eligible to receive. If your mom makes 60k, you are not pell eligible so you will receive stafford loans. Please don’t say I am going to borrow the money (the CC student fave), because in this econony, who is going to loan you 100k?</p>
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<p>Highly unlikely at Howard. I know a number of students who got accepted with merit money, had a bit too much fun lost the scholarship (a good friend of my daughter’s as a matter of fact) and the money was not replaced.</p>
<p>You really need to take a bottoms up approach and make sure that you apply to schools, where you can be admitted and will be financially feasible options for your family. Yes, this means that you will have to apply to schools in minnesota (who by the way has a top 25 law school) and schools where there are reciprocity agreements with your state; Wisconsin, North Dakota, South Dakota and the Canadian province of Manitoba and the Midwest Student Exchange Program which includes Kansas, Nebraska, Indiana and Missouri. The MSEP allows students in certain programs at participating institutions to pay 150% of instate tuition (thanks wisemom). </p>
<p>Unless her mom is amenable to paying full freight at SUNY I woudl remove them from her list because the OOS cost of attendance is $27,150. Where is the money coming from. While OOS for CUNY is considerably less expensive, unless she has friends, relatives in NYC that she can live with for 4 years, it is not a realistic option. In addition her current stats do not make her a viable candidate for many of the SUNYs with the exception of the community colleges where the cost of attendance is $19,110. </p>
<p><a href=“http://www.suny.edu/student/downloads/Pdf/2010_Admissions_qf_stateop.pdf[/url]”>http://www.suny.edu/student/downloads/Pdf/2010_Admissions_qf_stateop.pdf</a></p>
<p><a href=“http://www.suny.edu/student/downloads/Pdf/2010_Admissions_qf_cc.pdf[/url]”>http://www.suny.edu/student/downloads/Pdf/2010_Admissions_qf_cc.pdf</a></p>
<p>Towson University</p>
<p>While you may get accepted, is with the cost of attendance being ~ $31,830 (oos, living on campus) or ~21,360 (if you can live with relatives and commute, it is a financially feasible option for your family. Remember you are going to get very little in terms of financial aid.</p>
<p>You should definitely check out some of the HBCUs because the cost of attendance will be cheaper.</p>