<p>How do I apply for financial aid?</p>
<p>I applied to-(incase this matters)
U of Delaware
Penn State - accepted
U of Mass Amherst
SUNY Stony Brook
U of New Hampshire</p>
<p>You and your parents need to fill out the FAFSA. You also need to check with each college you have applied to and see what other forms they have to fill out…each school may have different forms.</p>
<p>Be aware that the out-of-state publics that you applied to do not give financial aid to OOS students (only minimal fed aid which any qualified student would get). So, you won’t get the help to pay for the big OOS tuitions that these schools charge OOS students.</p>
<p>For example, below is the OOS Cost of Attendance for two of your schools. </p>
<p>$34,922, U DELAWARE</p>
<p>$39,510, PENN STATE</p>
<p>State schools can’t meet the needs of their own in-state students, therefore they can’t help OOS students.</p>
<p>Do you know what your EFC is? </p>
<p>Do you know what your family is willing to pay each year?</p>
<p>They really don’t give any aid at all?</p>
<p>EFC = $22,000ish according to the calculator on collegeboard.</p>
<p>My parents are paying $0.00 so I will have around $88,000 in debt?</p>
<p>Your debt would be how much the school charges, not your EFC. EFC = what the federal government considers is a good amount your family should be paying.</p>
<p>So do all OOS schools give no aid?</p>
<p>You need to go to each college website and look for what they require for financial aid applications. Look in the financial aid section of the website. Complete any forms they require.</p>
<p>Some of these schools DO award merit aid to OOS students. We know students from CT who have gotten merit aid at UDel and U of New Hampshire.</p>
<p>I know I won’t get merit aid, I will just be happy to get in.</p>
<p>As noted, need based aid to out of state public universities does not typically fill the gap between the Cost of attendance and the EFC (expected family contribution). The FAFSA is used by all of the above schools. You also need to check to see what other information or forms they might require.</p>
<p>Your need based aid will largely be based on your family’s income and assets…mostly income. If your family’s income is VERY low, you might qualify for federally funded grants to some degree. You will also be offered a Stafford loan and if you have financial need, it will probably be subsidized (meaning the interest doesn’t accrue until you stop attending school). Even with the maximum in federally funded need based aid, you would not have enough aid to fully pay for attendance as an out of state student at a public university.</p>
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<p>With an EFC of $22,000, your FAMILY would be expected to pay that amount for your education. You would not be eligible for the aid for low income students (Pell grants for example). Your MINIMUM debt would be $88,000. Even IF one of these schools gave you money towards meeting your NEED…it would NOT be to pay your EFC…that would be expected to come from your family.</p>
<p>*They really don’t give any aid at all?</p>
<p>EFC = $22,000ish according to the calculator on collegeboard.</p>
<p>My parents are paying $0.00 so I will have around $88,000 in debt? *</p>
<p>I’m sorry, but this isn’t going to work at all.</p>
<p>The OOS schools you’ve applied to won’t give you any aid - your EFC is too high for any free aid from the fed gov’t . You’ll only be able to borrow small Stafford loans that won’t even come close to the COA of each school.</p>
<p>Since you said that you’ll just be happy to be accepted, I’m guessing that you don’t have the stats to possibly get merit money (if those schools offer such to OOS students - Penn St doesn’t)</p>
<p>Your parents have a highish EFC, which they can’t pay. So, not only would that be uncovered, nearly all of your other costs will be uncovered also. You would literally have to borrow the ENTIRE COST of ATTENDANCE every year. That would add up to about $150,000. Not only would that be ridiculous, but you’d need co-signers for these loans</p>
<p>Students can only borrow small amounts without co-signers (freshmen can only borrow $5,500.) </p>
<p>I’m concerned that you may not even get funding for your in-state school…</p>
<p>SUNY Stony Brook is your in-state school. Unless you can commute to that school, it has a COA of:</p>
<p>Tuition…$4970
Room…6112
Meal…3478
Fees…1518
Health Insurance…1031
Books… 900
Transportation and Personal Costs… 1792</p>
<p>Total… 19,801</p>
<p>If you commute from home (if possible), you’d save the room and board part:
about $9500.</p>
<p>If you don’t live close enough to commute, you need to apply to a state school where you can commute.</p>
<p>Do your parents understand that if they don’t help you, you won’t get any money for college?</p>
<p>To the OP, you are instate for Stony Brook. Are you applying to any other SUNY campuses. As you know…Stony Brook is one of the more competitive admits in the SUNY system. If it were me…and I were you…I’d be looking at other SUNY options as well.</p>
<p>If your EFC is $22,000, that is what your family is expected to contribute and that would apply to any school to which you apply. You need to sit down and discuss college finances with your parents. What do they see you doing next year? Are they able to help you out at all? What options are available to you that you could pay for yourself (do you live near a SUNY or CC campus where you could take classes and live at home to save costs?). You need to come up with a plan. NO COLLEGE gives money to help pay the EFC…that is what the FAMILY is supposed to contribute. Exception would be if you got a competitive merit scholarship that covered costs.</p>
<p>You need to come up with a plan. NO COLLEGE gives money to help pay the EFC…that is what the FAMILY is supposed to contribute. Exception would be if you got a competitive merit scholarship that covered costs.</p>
<p>Very true.</p>
<p>I’m concerned that Soccer won’t even have enough money to go to an instate SUNY, unless there’s one that he can commute to, and pay for it with Stafford loans and working summers and part-time during the school year.</p>
<p>My parents won’t pay anything they say its my education and I should have to pay for it and they said they won’t even send me money to buy things when I am at school. </p>
<p>I got a 1200/1600 M670 CR530 on my SATs, could I get a small grant/scholarship for that?</p>
<p>I really don’t know what to do, especially because as of now I want to go to grad school.</p>
<p>*I got a 1200/1600 M670 CR530 on my SATs, could I get a small grant/scholarship for that?
*</p>
<p>for which school? For a SUNY? Which SUNY? A small scholarship won’t help at the OOS publics. And Penn St doesn’t give any to OOS students.</p>
<p>Worry about grad school later. What is your intended career?</p>
<p>Right now, you have to find an undergrad school that you can afford. Your parents’ EFC is too high for you to get aid at state schools. And, you’d have too big of a gap at privates.</p>
<p>So…which SUNY is within commuting distance. Apply to that. At least you can live at home for free.</p>
<p>I am so sorry that you’re in this situation. But, you have to play with the cards you’ve been dealt. </p>
<p>Which SUNY is within driving distance?</p>
<p>I agree that it’ll be very difficult to come up with room and board money so a local SUNY, if you have one, might be your best financial safety. There are also many good CC’s in NY - don’t buy into the common view that they’re not “good enough” for you as it’s likely you can find one that has excellent teachers who may have spent years at more prestigious universities or running successful companies. It’s far easier to get to know them at a CC than it is at a large U. Most CC’s have articulation agreements with public and private colleges where you may get merit aid later. </p>
<p>Depending on your gpa, there are some SUNY’s that may give you a small merit award. Make sure you apply also for TAP after you finish the FAFSA - the income limits and formula are different than FAFSA and you may get a small grant for staying instate. Also, make sure you apply for as many local scholarships as you can - your guidance office should have info on them and they can add up to several thousand dollars. Finally, I would suggest saving as much as possible starting immediately.</p>
<p>I’m sorry to hear that your parents are unable to help you. Do you know if it’s due to lack of funds or if it’s truly a personal choice? Some parents have not kept up with the rapid rise of college costs, so perhaps if it’s the latter they will be moved to help out once they understand that little other aid will be forthcoming.</p>
<p>It’s was their choice for both reasons they have a lot credit cards and throw a lot of money away so that there is not anything left over, we live just they spend every dime of their money.</p>
<p>OP, You need to probably start small, like at a CC while you save up $ for your four years school. If you do well at the CC there is a chance you can get some merit aid at the four year school. The OOS problems would still exist in those cases so make sure the CC you look at has an agreement that SUNYs accept their classes.</p>
<p>I will not go to a CC I am too smart to go there and I am not poor my parents just don’t like me, they will pay for my other siblings colleges but not mine because they always do the wrong things for me and try to fix it by doing the right thing for them( I’m oldest).<br>
I did the EFC agian and this time I put if I had a sibling in college it goes down to $11,000ish and my brother will be in school for my junior and senior year so that should help a little.</p>
<p>Your sibling being in school in a few years is not going to help NOW. </p>
<p>What SUNYs are within commuting distance?</p>
<p>*I got a 1200/1600 M670 CR530 on my SATs, could I get a small grant/scholarship for that?
*</p>
<p>Maybe at a SUNY…which one is near you?</p>
<p>Unfortunately, that would only help you your senior and junior year not your freshman and sophomore year so it looks like you still have a problem.</p>