@GMTplus7 Since you didn’t read my other responses, in Iowa, the law states that he HAS to pay for a third because they are divorced. He will pay $7,000. I have $15,000 saved. That’s $22k.
Lil Russian:
You have two choices right now.
1- You can post various threads asking for advice which you don’t plan to take. (like this one).
2- You can post a thread where you ask for advice and actually take some of it- and listen to the grizzled old veterans here explain three facts to you- A- you cannot get instate tuition in California because you don’t live in California; B- your father isn’t obligated to pay for your out of state costs, and the cost of learning that (a lawyer, court hearing) is MUCH higher than the cost of picking up the phone and saying “Hi Daddy, can we sit down and talk about college costs?” C- The time and energy you are spending worrying about a college you cannot afford to attend since you can’t borrow enough to bridge the gap is Time and Energy you are not spending on figuring out a realistic college plan.
Your call. We are all happy to help you figure out a realistic plan. But you are not going to qualify for instate tuition for your sophomore, junior and senior years in California, AND you cannot borrow enough to afford to attend. Your father could be a billionaire, but unless he decides of his volition to go above and beyond the 7k he is legally obligated to pay, the court is not going to compel him to pay more so that you can move to California.
Time for Plan B.
@blossom I actually didn’t ask for advice on that topic. I asked for advice from current OOS students on how they are affording it and I asked whether I could qualify eventually for in-state tuition. I would go either way, I did not ask about anyone’s opinions on whether I should go or not.“I just need to know what I should do so I am able to achieve my dream of going to school in California”. I will figure it out, but all this site has provided me with is constant negativity. People said I wouldn’t even be accepted into the school, so now that I proved those people wrong, I am trying to prove to myself that I can actually attend. I really don’t need your “advice” on how to make a realistic plan, because I already have one of those. Unless you are a current UC student who isn’t from California or a parent and are informing me with how you afford the school, I don’t appreciate nor need your so called “advice”. Plenty of kids are doing it on their own and if need be, I will too.
And, as another note, I am a realist. I understand that it is expensive and I will have a lot of debt. I have other plans if I can’t go to UCSD. This post is asking HOW other OOS students afford it. Not whether I should go or not. Thanks again.
Other OOS students have parents that are willing to pay the costs. For example, my DS17 may be going to an OOS public school for engineering, despite having fabulous choices in-state (and despite having the stats to get excellent merit aid at places like U of Alabama.)
The difference between my kid and you? As a parent, I’m willing to shell out the entire OOS cost. If I wasn’t willing to do so, he would be in the same EXACT position that you find yourself in- dreaming an unrealistic dream of an expensive OOS option and NO WAY to fund it short of committing a felony or two.
Unless your parent(s) come up with the $$,$$$ - you aren’t going. Best of luck. When you figure it out, all those folks on “your” thread will be happy to give you the exact same advice you’ve already received.
I know two OOS kids at UCSD right now and a bunch at other UC’s at the moment.
All of them are full pay. One has a parent taking out a parent loan; the others just write the checks twice a year. One thought she’d qualify for in-state since lived in CA at one point but her university denied her in-state appeal so her parents are biting the bullet and paying OOS- I think by refinancing their house.
Hope this helps. Namaste.
OP, there’s really no magic advice to be found here. Nobody is going to give you a special, back-door, secret way to get instate tuition at a UC as a person living in Iowa. The UC’s have sewn up every loophole airtight. Either your parents pay OOS rates for all four years, or you can’t go.
So, work on your parents. That’s the best and only advice anybody can give you.
I am a parent who has sent two kids to UC schools from OOS. There are no loopholes. You will be considered OOS for all four years.
DH and I both are UC alumni, we lived in California for over 30 years, we have numerous relatives who still live there, we pay income tax to the state of California, we pay property tax to the state of California. None of that matters because we don’t LIVE in California.
Our kids were able to attend because DH and I were willing and able to pay with a combination of savings and current income.
The amount of debt you are considering would have a ruinous effect on your life after graduation. Run your numbers through a loan calculator to see the payments you would be making for at least 10 years after you graduate.
My son’s roommate is an OOS student at UCD. His parents pay for tuition only, so all living expenses (food/rent/books etc…) are on him. He works anywhere from 30-40 hours a week, to make ends meet. He takes the minimum course units around 13 so he has time for his job and studying. He has just recently lost his job, so right now he has no money for food and rent. My son and his other roommate are cutting him some slack by feeding him and covering the rent for this month until he gets a job, hopefully soon. If he is unable to meet his obligations in the next few months, he may have to consider dropping out or at least taking a leave of absence until he can get on his feet.
This is UCD, which has a much lower housing cost than UCSD. Rents around UCSD with 4-6 sharing around $3200+ a month. If you do not get your parents help with financing your education, then you need to think of another plan. No one is going to lend a college student the money you need. You are living in a dream world, so time to come down to reality and make the right decision. This is from a California Mom whom is full pay for her son at UCD.
My sister-in-law and her husband paid full OOS costs for their DD to attend UCSD. They committed to this thinking it would “help” their premed DD get into med school. Turned out to be a total fail, and they deeply regret wasting all that money when she could have gone to UC-Boulder instate for a small amount (she was a NMF with high stats who was awarded substantial merit to UC-Boulder).
They, too, thought she could somehow qualify for instate eventually because she was born in Calif, but hadn’t lived there since first grade! lol They tried various ways, but she continued to be classified as OOS. Some people learn the hard way.
Mom2- some people indeed learn the hard way. But you’d have to feel sorry for the taxpayers of California if their universities didn’t seriously limit the workarounds that folks dream up to get instate tuition. I’d be livid if my state made it easy for out of stater’s to qualify (except for a legitimate exchange program with one of our border states… totally legal and makes perfect sense to put a cap on the resources that every state U system within a particular radius has to spend funding duplicate programs). It’s not a huge number of students anyway-- unlike California which would be inundated…
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in Iowa, the law states that he HAS to pay for a third because they are divorced. He will pay $7,000. I have $15,000 saved. That’s $22k.
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The glaring problem with this is that you’re using up all your savings the first year…and then what???
(BTW…if your dad pays the $7k, then you couldnt even claim financial independence in some sort of appeal.)
Even if thru some miracle of miracles you got instate, the cost would still be $35k per year. Even with your dad paying $7k, that still leaves $28k for you to cover.
No bank is going to lend you the money.
You seem to think that there are OOS students, who somehow are paying for a UC on their own.
Is your dad now saying that he won’t pay the $7k? If not, then why the need to sue him??
In today’s LA Times a recently released study was discussed very critical of the UC’s and their admission of OOS at a rate that hurts in-state students. Part of the article discussed that they are going to clap down even more on on OOS trying to gain in-state residency in order to pay cheaper tuition rates.
I can see UCSD as I type this and both my children attended OOS public colleges. Why? Because they were cheaper with merit money than our UC’s plus their majors were not impacted, expensive housing wasn’t an issue for years 2-4 and they could graduate in 4 years and not struggle the way some students do at the UC’s to graduate.
If my memory is correct, the UC’s are the most expensive OOS rate for students in the US. Every year we see posts similar to yours here on CC with students finding that their “dream” of going a UC from OOS is not possible and asking posters for some miracle advice to pay for it. Unfortunately we don’t have any "magic’ to make the UC’s affordable for OOS and I can’t imagine anyone here telling a student to take over $100k in loans to pay for it.
I work with h.s. students and know this is very disappointing to you. Your best bet is to be polite and call your dad and explain to him your situation. As I tell my own children, “come up with a game plan” to try and convince him to pay more than the court decree for college. Explain why it is your dream and what you financially will contribute to make UCSD possible. Maybe he will change his mind, you never know.
Sorry we couldn’t be more positive. All the OOS I know at UCSD are either full-pay or take out a ridiculous amount of crushing loans and stress the entire time they are in college for how they are going to pay for UCSD. Many have regretted their choice and I have even seen some have to drop out junior or senior year.
OP, if by some chance you can persuade your dad to pay for UCSD, best to get this in writing and have the funds deposited somewhere in advance for this purpose. He might change his mind later in year 2…or 3…or 4…or 5 if you discover you can’t finish in 4. Life has a funny way of changing people’s plans even after you THINK they have committed to something, or promised you something.
Here’s the auditor’s report that is being referenced in news stories today (as @itsv stated above) that is highly critical of OOS students taking the spots of California residents at the UCs. The big justification being made to defend the admittance of OOS students is the fact that they pay way more tuition, and thereby balance the UC budgets. OP, you will find no slack whatsoever in UCSD’s determination that you are firmly an OOS student and will absolutely remain so for all four years.
You can’t borrow enough on your own to fund the entire COA at any OOS school.
If your mom is low income, you can fund ~$13k on your own (~$5k Pell {IF you qualify}, the ~$5500/year federal student loan {the MAXIMUM you can borrow on your own}, and ~$3k from summer work earnings). Did you qualify for merit aid anywhere? If you can find a school that offers merit, you may be able to dorm; otherwise, you may need to find a school you can commute to from home or start at a cc.
@austinmshauri I can go to Iowa for free the first two years because of my scholarships/FAFSA/savings!
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study was discussed very critical of the UC’s and their admission of OOS at a rate that hurts in-state students. Part of the article discussed that they are going to clap down even more on on OOS trying to gain in-state residency in order to pay cheaper tuition rates.
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It makes sense for the UCs to clamp down even more harshly on getting instate because the purpose of these accepances is to bring in more money. The OP commented that others previously said that she wouldn’t get in. It could be argued that if she had been instate, she would not have gotten in. BUT…with the view that she’d be bringing in $35k+ in OOS tuition, she was an attractive applicant. Giving her instate would defeat the purpose.
You are currently still in HS, right? Are you saying that your mom no longer receives child support for you?
When she did get child support and spousal support, was any of that money saved for your education?
Does your mom work? Do you?
It sounds like Iowa is affordable. Go there.
@LilRussian, That’s awesome! Congrats. MANY kids don’t have the opportunity to get 2 full years of college education with zero debt. How much would the last 2 years at Iowa cost?