<p>I think I need to receive more help to attend NYU...</p>
<p>EFC: $70
CAS scholarship: 11,000
Provest:1000
University grant: 3600
ACG: 750
FSEOG:4000
Pell Grant: 5500
TAP: 4600
Work Study: 4000
Direct Stafford Loan: 3500
Unsubsidized Loan: 2000
Direct PLUS loan: 16116</p>
<p>Total: 56066</p>
<p>how did you find out the financial aid info?</p>
<p>You can try. NYU is notoriously intractable with regards to financial aid in most cases, but it couldn’t possibly hurt to ask. Some people recommend that you use a peer school’s financial aid offer; don’t be a jerk to the financial aid officer about it, just politely and respectfully ask for help in making your dream of attending NYU come true.</p>
<p>greedy hippy. </p>
<p>My direct plus loan was like $38k. </p>
<p>FFFFFUUUUUUUUUUUUUUUUU</p>
<p>According to your numbers, you’re going to graduate with about $133,100 debt (assuming you pay them off in 5 years at a steady 9% interest; composite, of course). You’ll be paying about $27,000/year, which is okay if you make 4-5 times that when you graduate (maybe more, if you’re a Stern student). Try to change some of the loans, if you can, but I would take it, if I were you.</p>
<p>@lazykidd: WoW.</p>
<p>Is stern even worth it for me when I would have $160k + in debt upon graduation</p>
<p>vs: I already received a full ride scholarship to a state school?</p>
<p>so I will have about $133100 debt after I graduate if I choose to pay them off in FIVE years? 
wait so for example, the first year after I graduate I have to pay about $1800 every month?</p>
<p>You can wait, but interest will accrue fairly rapidly. The unsubsidized loans actually accrue while you’re in school, and the Parent Plus loans have even more unfavorable interest conditions than the Stafford loans. To me, that’s horrific but depending on your job it might be bearable. If I were in your shoes, I wouldn’t even consider it; unless you have a fantastic job this will eat up money that you could be spending on an apartment, a used car, a house, etc; taking on a debt like that is like injecting Ebola directly into your eyeballs over the course of 20 years. But that’s just me. You should definitely try and do what you can to renegotiate, or rethink your decision to study Comparative Women’s Lit from the Andes as a major (j/k) 
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<p>I would probably go with this one unless Stern is absolutely necessary.</p>
<p>I actually don’t exactly understand how much my parents and I have to pay back after I graduate. Let’s say if my parents and I plan to finish paying back within 10 years, how much do we have to pay in total every month? (Direct Stafford Loan: 3500
Unsubsidized Loan: 2000 Direct PLUS loan: 16116)</p>
<p>I’m not from the US, actually, so I don’t know if they’re going to group these loans for you or not. But if you group them together and decide to pay them in 5 years with the interest rate I gave above… yeah. And no, it’s more like $2200 per month.</p>
<p>hahah this is all assuming my numbers aren’t completelyyyyyy off.</p>
<p>10 years? I’m honestly too lazy to do the math. You would pay more interest, but over a longer period of time.</p>
<p>What would you say to them if you were asking to take some money off the loans?</p>
<p>There’s a [student</a> loan financial aid calculator](<a href=“http://www.finaid.org/calculators/loanpayments.phtml]student”>http://www.finaid.org/calculators/loanpayments.phtml) that you can use to find how much it’ll cost you in the and how long you’ll spend paying it depending on the size of your monthly payments.</p>
<p>You are so lucky that you get a TAP grant. I’m OOS</p>
<p>honestly I would be happy with your package. I got into Stern with an expected PLUS loan of over 24,000 when my efc was 0. I would think about what you are going for though. At NYU, I think it is worth it to pay more for Stern or Tisch, but if you are going for a major in CAS that it is more important where you get your grad degree from, I would consider a state school instead.</p>