<p>does anyone know schools that meet full aid guaranteed?</p>
<p>thanks so muchh</p>
<p>The schools that meet full need generally also use profile which changes the EFC.</p>
<p>Your EFC is your Expected Family Contribution. It is what your family is calculated to pay. NO SCHOOL is required to meet this portion of your college costs with finaid. There are some highly competitive scholarships at some schools which actually do cover the full cost of attendance at school, and even throw in a small stipend for spending money or travel. But those are few and far between and very very competitive.</p>
<p>I think you mean full need... All the ivies pretty much guarantee full need and most of the top tier LACs will get pretty close to meeting 100% need... I know personally that DePauw(top-tier LAC) meets over 95% need on average and 100% need in most cases.......... also many of the third-tier universities offer real full scholarships plus stipends, book allowances, laptops and etc. for good students. Many of those lower 2nd tier and 3rd tier schools have those scholarships guaranteed if you meet standards such as a 30+ ACT or 1300+ SAT (M+CR) or if your a national merit semifinalist/finalist, some will even give you full tuition and room and board for a 3.5 GPA. Not very hard requirements by CC standards if money is a serious problem for you.</p>
<p>How is need calculated differently from the standard EFC calculator?</p>
<p>Cost of attendance - EFC (expected family contribution) = demonstrated need.</p>
<p>Like Thumper said, unless you apply for a school that covers the full cost of attendance or you are really low income, then pretty much every one will have some kind of EFC.</p>
<p>There will be a big difference between the EFC numbers your get for the FAFSA which only determines your eligibility for federal aid (pell grants and loans) and the CSS profile which is what the college uses to determine how they are going to distribute their institutional funds .</p>
<p>I would recommend running your numbers on the college board's FA calculator using both the federal and the institutional methodology.</p>
<p>Differences between the IM and FM models are</p>
<p>IM collects information on estimated academic year family income, medical expenses, elementary and secondary school tuition and unusual circumstances. FM omits these questions.</p>
<p>IM considers a fuller range of family asset information, while FM ignores assets of siblings, all assets of certain families with less than $50,000 of income, and both home and family farm equity.</p>
<p>FM defines income as the adjusted gross income on federal tax returns, plus various categories of untaxed income. IM includes in total income any paper depreciation, business, rental or capital losses which artificially reduce adjusted gross income.</p>
<p>FM does not assume a minimum student contribution to education; IM expects the student, as primary beneficiary of the education, to devote some time each year to earning money to pay for education.</p>
<p>FM ignores the noncustodial parent in cases of divorce or separation; IM expects parents to help pay for education, regardless of current marital status.</p>
<p>FM and IM apply different percentages to adjust the parental contribution when multiple siblings are simultaneously enrolled in college, and IM considers only siblings enrolled in undergraduate programs.</p>
<p>The IM expected family share represents a best estimate of a familys capacity (relative to other families) to absorb, over time, the costs of education. It is not an assessment of cash on hand, a value judgment about how much a family should be able to use current income, or a measure of liquidity. The final determinations of demonstrated need and awards rest with the University and are based upon a uniform and consistent treatment of family circumstances.</p>
<p>Except in the most extraordinary circumstances, Colleges classifies incoming students as dependent upon parents for institutional aid purposes, even though some students may meet the federal definition of independence.</p>
<p>Students enrolling as dependent students are considered dependent throughout their undergraduate years when need for institutional scholarships is determined.</p>
<p>For institutional aid purposes a student may not declare independence due to attainment of legal age, internal family arrangements, marriage or family disagreements.</p>
<p>Your COA (cost of attendance) is tuition, room board, books travel expenses and some misc. expenses associated with attending college.</p>
<p>As a student, there are cumulative limit of $23,000 which you can borrow for an undergraduate education using stafford or perkins loans.</p>