<p>Hi everyone. Just wanting an opinion on this. I received an AA in May and have been taking more classes at my community college to have more transferable credits (not all schools take credit from my AP exams). Originally, I was planning to apply next semester, while I am still in school, to a few selective schools and attend a 4-year school in the fall. Recently, I have landed a full-time job in a field that is kind of interesting. I am really intent on NOT taking out loans and if I stick with my job for another year or so and save for college, I might not have to take out any at all. My question would be this: am I really at that big of a disadvantage if I am out of school for a year or two when I go to apply (to more selective colleges)? If anyone has any experience or info on this, it would be greatly appreciated. Thanks.</p>
<p>Do be aware of how need based FA works. Students are assessed at a higher rate than parents, both for income and savings. So, while I think it’s a great idea to work in order to avoid loans, unfortunately your savings will actually lower your FA. I’m not saying not to work, but rather to be aware of the affect on FA so that there are no surprises when you return to school.</p>
<p>I don’t think you are at a great disadvantage, and your work experience could give you a dimension that sets you apart from other applicants. You might want to go to the Non-Traditional students subforum for input and information.</p>