FYI, California is not the only state that has large schools.
Additionally, if you received full funding for Skidmore, your parents will probably NOT be able to borrow $200K over 4 years.
Plus, the kinds of loans available (Parent Plus) to your parents are often sold and resold which means that some loans may be “Pay as you go”. Your parents may be asked to pay several thousand dollars per month as you go to UCI or UCD. (I personally really LIKE Davis over UCI.)
Plus, at some point, your parents may not qualify for additional money in your Junior/Senior year which means you wont be able to pay to continue onto graduation. That does happen, often, for a number of students who just “have to go to a UC”.
It will “suck” going to school in California if you are on a limited budget because California is VERY expensive and there are lots of things to do that you wont be able to do.
- Our transportation in SoCal (Davis is a wee bit better) is awful and we have a LOT of freeways.
- You won’t be able to contribute for gas money and a lot of students drive. It’s $6 per gallon and if you want a ride to anywhere, it’s expected that you will pitch in to help with the ride. Uber can get expensive.
- You wont be able to fly back home during breaks and at UCI, it’s a ghost town during breaks.
- You wont be able to call out for pizza or other foods because it is expensive and you will be on a strict budget.
- Your mandatory health insurance fees are expensive and you will be required to purchase insurance that covers California rates.
Oh, and for what it’s worth, if you use the term “Cali”, it immediately lets the locals know that you are from out of town. The locals do NOT like the name “Cali”; it’s a tourist term. We’re “California”, (or SoCal, NorCal, Bay Area, LA, Orange, SF, Sac,) etc.
The UC’s are unaffordable for you. You are targeting a major with low-paying prospects, so you wont be able to help your parents pay back your ridiculous loan payments-they will add interest-assume about $3-4K per month, minimum for about 20 years. California has too many psych grads, so the pay is low. Also you would need to go to grad school to get a PhD and go through licensing, so I haven’t included that in your payback rates.
We will take your money, however, since the State needs dollars from OOS students who are easily willing to part with money they don’t have.