<p>I will be starting my freshman year at a state school that I assumed was going to be the cheapest option for me. Now, I am beginning to realize that I will have way too much money to pay back in student loans by the time I graduate. I wish I would have started out at the local community college to save money. Is it possible for me to just do fall semester at my current school and transfer to community college for 3 semesters then back to a 4-year? I think it would save me $20,000 in loans. I don't want to be drowning in student loans when I graduate.</p>
<p>Can I do this? How will it affect my financial aid (I'm getting a full Pell grant plus the maximum Stafford and Perkins amounts.)</p>
<p>I appreciate any help. I'm really lost and overwhelmed right now.</p>
<p>Yes, people do it quite often actually. If you’re planning to transfer look up CCs in your area and see if any of them have articulation agreements with schools you may want to transfer to.</p>
<p>If you are really anxious about this you may consider seeing if a CC will take you now before the fall semester, unless you’re already paid for the first semester. It may be a better option for you financially and socially because from a personal perspective, it can be difficult to leave after a semester! Good luck!</p>
<p>Unless there’s a compelling reason that you have to go to university this coming semester, there’s likely still time to register for CC for the fall. My CC doesn’t close registration until the end of the actual first day of classes.</p>
<p>I’m supposed to be moving in August 22nd and they’ve already sent me my first bill. I was assuming it would be too late to back out now.</p>
<p>Thanks for the advice everyone. I will continue to look into it.</p>
<p>If that’s the case, then it likely is too late to back out. If you did, you most likely wouldn’t be getting a full refund.</p>
<p>Hi reignoerme4 - That is good that you are going to follow up with your current school. You said you received that bill. But, did you pay it? If not you may be able to go straight to cc. Just call your current school. I went to cc my freshman year and had a great year and it was so much less expensive than any other options.
Good luck!</p>
<p>S1 went to CC and s2 didn’t. They ended up pursuing the same degree at the same 4-yr school. (s2 eventually changed major) but it worked out that if they had stayed in the same program that s1’s resume looked better because he had his AS in one area and his BS is a combined area, so he had more of a specialty, so to speak, whereas s2 would only have the BS with neither being a specialty. Does that make sense? I think the CC turned out to be the better bet in our case given the price and the 2 degrees. Not what I expected in the beginning. </p>
<p>No point in taking on debt for no real reason. You will likely lose a housing deposit, but I doubt they can force you to pay tuition. Let them know and tell them you can’t afford it after all but would like to reapply for transfer later.</p>