<p>When you say before grants/loans, what do you mean?
Grants are scholarships: they’re money given to you, money you don’t have to pay.
Loans aren’t money given to you, it’s just deferred payment (you pay, but later).
So, after scholarships and grants, but before any loans, how much would each cost?
What is your parents’ budget - if they said “under $15,000” this discussion is moot,
since you yourself can only borrow $5,500 plus add summer work and work study, perhaps
add $2,500-4,500 to that, at best (student contribution including work and loans can reasonably
and typically reach $9,000 so if you add scholarships and parents’ contribution, if your parents
were willing to pay $15,000, you would need to go to a college that costs $24,000 or less
and Lake Forest is out; if they said $20,000 then both colleges are still in play.)</p>
<p>Those aren’t the grades at the schools, but the grades of the seniors who were admitted. In other words, the students that Lake Forest admitted as freshmen were stronger in high school (3.65 at Lake Forest vs 3.2 at UIC) and are thus a better prepared peer group than at UIC. It means professors can go a little more in-depth and a little faster in their classes, resulting in a stronger preparation. This explains why odds of graduating in 4 years are twice higher at Lake Forest than at UIC. The classes are much smaller, which means they’re more interactive and the professors actually know you (so they can help you if you struggle, they can write you letters of recommendation…)
Is it worth $9,000? It really depends on what you want. And most of all, it depends on whether your parents actually have that money. If they don’t, then the answer is simple: no. (It is absolutely not worth it for them to borrow $9,000 per year - if they have the money, the issue’s different).</p>
<p>Your odds of transferring out of state are very, very low. 1° Transfers don’t get much financial aid (if any beside loans) 2°students at NYU and UPennare generally happy so they don’t leave or drop out, leaving very few spaces for transfers.
UIUC is different though. I just checked their policy:
From UIC, you’ll need to have a 3.0, 24 credits, English 160 and 161, plus a set of specific courses to be completed over 2 years to be eligible for transfer. (You can transfer after 3 semesters, not after one year only.) If you transfer after 3 semesters, there’s a course-by-course review and they don’t guarantee all courses will transfer – although, logically, if you took the classes from the list, they should transfer, but you may have to take some classes again.
<a href=“https://www.itransfer.org/IAI/GenEd/singleSchoolWorksheet.aspx?file=iai§ion=students”>https://www.itransfer.org/IAI/GenEd/singleSchoolWorksheet.aspx?file=iai§ion=students</a>
<a href=“https://www.itransfer.org/IAI/container.aspx?file=iai”>https://www.itransfer.org/IAI/container.aspx?file=iai</a></p>
<p>Lake Forest does not participate in that agreement, so you can transfer after 3 semesters and get the course by course review like for UIC, but you can’t transfer after two years and get all your general education credits automatically admitted at UIUC.</p>
<p>Since UIC is near your home, would you commute? That would make it even cheaper.</p>
<p>You should also spend an ‘admitted students’ day, or, better, overnight, at each campus: attend a class (very important), eat in the cafeteria, listen to what students talk about, read the campus paper, see what they do all day. Can you see yourself being friends with them easily? Can you see yourself spending 4 years (or 5 for UIC) there?
Don’t got there thinking you’ll transfer. Many students don’t so choose your school as if you were going to spend 4 or 5 years there. Worst case scenario, you’ll still be on a campus you like. And if you transfer, then you’ll have had a good year. :)</p>
<p>Be aware that in college getting even 3.1-3.3 freshman year is not that easy (fewer than half freshman even manage it, and those were typically strong in high school). Consider that your senior GPA is your freshman GPA -.3 for now (if you do better, great - but use conservative estimates rather than what you “hope” for.) Essentially, my concern is that you’d need some support to achieve that transfer GPA and you wouldn’t find it as easily at UIC and you’d end up part of the students who drop out along the way. On the other hand, 79% freshmen return to UIC so their freshman year doesn’t seem so bad, the problem must happen afterwards, indicating a possible disconnect between first-year content and major-level content. However this may matter little to you if you manage to transfer to UIUC after 3 semester or 2 years.</p>