<p>Fed Direct Parent Plus Loan: $6,070.00
Fed Direct Sub Stfd Loan: $3,500.00
Fed Direct Unsub Stfd Loan: $2,000.00
Federal Work-Study: $1,600.00
Federal Pell Grant: $5,550.00
Federal Perkins Loan: $1,500.00
Federal SEOG Grant: $1,800.00
UVM Grant: $1,388.00
VSAC Student Incentive Grant: $4,150.00
Total: $27,558.00</p>
<p>By the way, I am an instate student.</p>
<p>Run the numbers here, and see what you think: [FinAid</a> | Calculators | Award Letter Comparison Tool](<a href=“Your Guide for College Financial Aid - Finaid”>Award Letter Requirements - Finaid)</p>
<p>You received a full Pell, an SEOG, and Perkins so I expect that you must have a 0 EFC. How much can your parents afford to pay? Can they even qualify for that Parent Plus loan that has been included in your package? If they can qualify, do you really want to saddle them with that much debt?</p>
<p>This university might not be affordable for you. </p>
<p>Unless your local community college does not participate in the federal programs, the Pell and Staffords will follow you there, and would probably cover all of your expenses. That would mean that you wouldn’t have to ask your parents for any money for at least the first two years.</p>
<p>You should ask this question in the Financial Aid Forum so that the real experts there can take a look at your package.</p>
<p>Wishing you all the best.</p>