<p>How has your schools financial aid department treated this? Especially if it was a private school requiring a CSS Profile which might provide a higher number? </p>
<p>Were you given as much aid as you thought you would get?</p>
<p>i'll bump this since i think this is a great question...</p>
<p>I got into MIT, Georgia Tech, and University of Florida. I have an EFC of 0 and applied for financial aid to all of these schools. University of Florida gave me a full ride thanks to Pell Grant, Florida Bright Futures scholarship, and a bit of their own need-based scholarship to fill in the gaps. UF is a public school, and so is Georgia Tech, but GTech didn't give me a dime of financial aid, all I got was the Pell Grant, and $26,000 worth of yearly loans. MIT is a private school, and did require me to fill out a CSS profile. I got a full ride to MIT as well, except for a $1500 student contribution (that is required of all students). They gave me a need-based scholarship, and I also got the Pell Grant. So I'm going to MIT without having to pay much, as expected since I have an EFC of zero...
Hope this helps?</p>
<p>thanks...</p>
<p>I got into UC-Boulder (which is one of the most expensive publics in the country, if not THE most expensive) and they didn't give me jack. It is $41,000-ish a year out-of-state... They only gave me $10500 in grants, and the rest is out-of-pocket, loans & work-study.</p>
<p>Still waiting to hear back about Stanford.</p>
<p>The following schools should offer you very generous financial aid, especially the elite schools with large endowments. All proport to meet full demonstrated need:</p>
<p>Albertson Macalester
Albion
Marlboro
Amherst
M.I.T.
Arizona State
Michigan State
University of Arkansas
University of Michigan
College of the Atlantic
Middlebury College
Bates
University of Missouri (Columbia)
Beloit
Montana Tech.
Bowdoin
Mt. Holyoke
Brown
Northwestern
Bryn Mawr
Oberlin
Bucknell
Occidental
Cal Tech.
Ohio University
Carleton
University of Pennsylvania
Case Western
Princeton University
Centre
Rice
University of Chicago
Ripon
Claremont McKenna
University of Rochester
Harvey Mudd
St. Mary's (MD)
Pitzer
St. Olaf
Pomona
Smith (MA)
Scripps
University of Southern California [USC]
Colby
Stanford
University Colorado School of Mines
Swarthmore
Barnard
Trinity (CT)
Connecticut College
Trinity (TX)
Cooper Union (Free Tuition for all admitted)
Tufts
Dartmouth
Union College
DePauw
Wabash
Dickinson
Wake Forest
Duke
Wellesley
Florida State
Williams
Gordon
Yale
Goucher
Franklin W. Olin College of Engineering (MA), (Olin is Tuition Free for all admitted)
Grinnell
Berea College (sliding fee scale)
Guilford
Harvard
Haverford
University of Hawaii
Illinois Institute of Tech.
University of Illinois
Knox College
Lawrence College</p>
<p>I don't know where you got this list from. I imagine that state schools do not meet full need for OOS students. I just looked up Guilford on the CB website. Guilford meets only 76% of need. Also you need to look at the % of need met in the form of loans. In Guilford's case that would be 40% in the form of loans.</p>
<p>Agree with northeastmom, I don't think this list is helpful. I know that UMichigan gives very little to OOS students, and likely mostly loans if anything. Also, there is going to be a huge difference between many of the privates as well. While Princeton has a no loan policy, many others will give substantial loans even to a 0 EFC student.</p>
<p>Also, even at at a particular school, two 0 EFC students may get very different FA packages, depending on how much they want the student. The more they want the student to attend, the sweeter (more grants) the FA offer.</p>
<p>Yes, Northeastmom and entomom are both correct in that some financial aid packages will be much better than others. The point is that these schools will meet your need, no gapping...to my knowledge, with a mix of grants, loans, and work-study. Some of the packages will be mostly grants and little or no loans others less desirable packages, others the opposite, mostly loans and little grants. It all depends on where you get in, how badly a school wants you, how strong a student you are and the strength of the schools' endowments.<br>
However, you have a good spread of schools to begin you research. Also, apply to your local state university and community college as finacial safety schools...look at honors programs and their honor scholarships.</p>
<p>Mizo, I agree about different schools giving different ratios of grant/loan money. My point was that a school like Guilford is only meeting 76% of need according to the CB, which means that they are gapping.</p>
<p>Also a state school needs to meet the needs of their instate students before worrying about their average OOS students.</p>
<p>Mizo, I just checked Albertson, Macalester, Albion and Marlboro (I didn't go any further down the list), and Mac is the only one of these schools that provides 100% of need according to the online Premium version of US News & WR. Where are you getting your data?</p>
<p>To the OP, the UC's have the highest OOS costs, at 45k this year. Why would you expect CU to give substantial FA to an OOS student?</p>
<p>Well, I have an EFC of 0 and I'm attending an in-state school. I am very pleased with the financial aid package I received. There were loans and work-study in my package, but I do not have to accept them because of outside scholarships and scholarships I received from the school. So, thankfully I am set for school.</p>
<p>Don't know about U of MI OOS, but they certainly don't meet need in-state (unless you consider the addition of PLUS loans in the package as meeting need!). I know a young man who is at Wesleyan instead of U of MI ... Wes does meet need, and he had to borrow far less (at a far more expensive school) there.</p>
<p>One thing to remember is file your FAFSA as early as possible and have all your paperwork ready to go. We filed very early feb but my D did not get a SEOG grant despite having a low EFC. She did get Pell and a State grant but the rest (other than merit stuff) was loans and WS. Next year we will push the button as early as possible on january 1st.</p>
<p>My daughter is a rising Junior at U of M. We, too, were told to expect little if any financial aid/scholarship as she is OOS. Quite frankly we were shocked at the generous aid offer she received and accepted. We were told the Award of Excellence scholarship she was given was due to her academic credentials, her talent audition, and her financial need. We had no idea the aid offered would make it possible for her to attend the university. My philosophy: You never know what you will receive until you try. Go into the process knowing your financial restraints, but try, and you might be surprised by what you are granted. We were...and continue to be very grateful at the opportunities daughter receives.</p>
<p>You are correct. For example, your daughter had a particular interest that U of M probably wanted ... so they rewarded her. Another parent, instate I think, reported similar wonderful scholarships for a daughter going into nursing (very much needed in MI). Other students get aid for other reasons ... you never know, so ALWAYS try! It's just that I know many students who got very little aid at U of M, so I warn against it as a financial safety. In other words, it may well work out ... but it may not ... so have various plans in place! Good advice for all.</p>
<p>And for low income students who have strong credentials ... U of M is fantastic! D has a friend from school who was on full financial aid & free lunch at her parochial prep school ... from a very impoverished neighborhood ... did lots of robotics & is very good at cad/cam ... got a full ride to U of M this year. It really helps to live in a zip code that screams low income (student I know at Wesleyan lives in a zip code with big lake homes & small cottage-type homes ... zip code doesn't indicate poverty ... and U of M uses the zip code method, I hear). I am sure his counselor let U of M know his situation, too. A knowledgeable guidance counselor can be a great help!</p>
<p>Oops ... meant that first kid had good counselor. The one at Wes did not! He got in on his own merit ... no help from her.</p>
<p>I have a 0 EFC, and I get a full-ride from Tufts with no loans at all.</p>
<p>The OP requested info on FA, not merit aid, the two cannot be used interchangably. My OOS D got a full ride merit scholarship to UM, but we would only have gotten loans for FA. Had they not had substantial merit aid possibilities (through the college and LS&A), she would not have applied since we are OOS and not low income. While I agree that that there are exceptions to the rule, they are just that, exceptions. I would never consider UM as a financial safety for an OOS student.</p>
<p>I did not receive merit aid, as Tufts does not offer it, aside from the typical $500-2000 "National Merit Scholar" merit aid, so my "full-ride" was entirely need-based.</p>