<p>You know how on collegeboard when you search for a certain school and it says that this school only meet ____% full need etc? Does that mean schools that meet ,for example, 70% full need do not give out full ride to its students? and that schools that meet 100% full need will give out full ride? I'm asking this because I am a VERY low income student applying to private schools as well as NY state schools. My parents make 10,000 a year for 5 people in the household and my Stats aren't that great. SAT:1700, 3.6 GPA. I did some calculations on the NPC and numbers come out really high which i'm not sure if its accurate..</p>
<p>No, it isn’t the way you are describing the situation.</p>
<p>A school that guarantees to meet full need for its accepted students will meet full need AS THAT PARTICULAR SCHOOL DEFINES IT. Not the way you or your family define it, or some other school, or FAFSA. Such schools usually want a CSS PROFILE in addition to FAFSA and/or have supplemental financial aid apps or questions, and they do their calculations the way they want to do so. They may and usually do include Non custoidal parent financial, home equity values, sibling assets and may ask to see the prior year’s financials as well. The school then uses it’s own methodology in coming up with a package. So you can apply to a number of full need guaranteed schools and get varying amount in terms of what each school considers need. Also, how the need is met can vary widely. Some will have no loans or limit them in the package, others will use them liberally. There could be work study, outside scholarships can be integrated as well as government aid. </p>
<p>Also a number of schools that guarantee to meet full need are not need blind in admissions so having need can lower your chances of getting accepted. </p>
<p>When it says that a school meets X% of need, that is an average. That does not mean that every single student get X% of need met. Some may well get full rides, some may get zip. In such schools it helps to be in the upper % of test scores in order to get the best aid. </p>
<p>In your particular situation with $10K income, you will most certainly have a zero EFC on FAFSA and also be eligible for TAP in terms of state aid. Your test scores are not in the range to get top aid or scholarships, however. You might want to look into HEOP for which you seem to be eligible. </p>
<p>As for NPC calculators, no, they are not accurate for schools that have merit awards and that do not guarantee to meet full need. They simply give you averages. Also at the more competivive schools in terms of admissions, getting in is going to be an issue. For you, if you get into a school that guarantees to meet full need, you will likely get it unless you have assets or a business situation that makes a huge difference in your family financial picture. Gettting accepted, will be an issue. as it always is, and with your test scores, unless you find a school where you are at the top of the applicant pool, it can be dicey as to getting your need met and even getting accepted.</p>
<p>You might want to look up a old thread by Momfromtexas about full ride scholarships. It is archived here.</p>
<p>*Does that mean schools that meet ,for example, 70% full need do not give out full ride to its students?
- </p>
<p>Some kids will have 100% of their need met at this school. If someone gets a big merit scholarship that covers all their need, then their need is met 100%. If someone only has a small amount of need, then their need is met 100% with a student loan.</p>
<p>At schools like this, if you’re low income, chances are that your need won’t be 70% need met, since you need so much aid. It just takes too much of the school’s money. </p>
<p>*</p>
<p>and that schools that meet 100% full need will give out full ride?*</p>
<p>they will only give a “full ride” to those who have “full need” as they define it. And, all the aid may not be free money. Some of the aid may be loans and work study.</p>
<p>Thank you for clearing that up for me cptofthehouse and mom2collegekids. :). I only applied to NY schools and I did apply to EOP and HEOP to all my schools. So far, Buffalo, Geneseo and Clarkson didn’t accept me for EOP/HEOP because my grades are “too high” Honestly, it doesn’t look too high to me. ): The fact that these schools already rejected me for EOP/HEOP, does that mean other schools i applied will reject me for EOP/HEOP? My parents do not like me to take out that much loans because they think i’m going to have a hard time paying it up afterwards and the fact that I plan to get a masters degree and it will accumulate in loans?</p>
<p>I think that if SUNY schools say that your grades are too high, it means that you will be accepted in their regular pool without EOP. You could try to apply EOP to Binghamton.</p>
<p>Yeah I applied EOP to Binghamton and see what happens. I probably wont get it. If thats the case then I wont be admitted to the regular pool because others have higher stats than me.</p>
<p>Do PM Sybbie who is on this board and is truly the sage on HEOP and NYC aid here.</p>
<p>Thanks. Uh, what is this board exactly for? I registered for a account but not sure what it is for? lol</p>
<p>Sorry, that was spam. You need to find Sybbie on this board and PM her. Forget that site. I just removed it. Don’t know how it got there.</p>
<p>Thanks. :)</p>
<p>responded to PM</p>