University of Michigan Scholarships

Hello CC users,

I’m pretty excited that I got into my dream school; however, I’m not excited with the price of school. Rather than complain about this, I’ve been working my butt off to apply to scholarships wherever I can. I really do need them. Does anyone have any suggestions on scholarships that I can apply for? I’ve applied to many like the Bell Scholarship, but I haven’t heard anything back. If there’s any assistance anyone can provide, I’ll be extremely grateful. One more thing, I did raise my ACT score from when I applied to a 31. I saw someone say that you can be awarded merit awards directly from a school, but is it worth it with a school like Michigan and their top applicants? I figured kids with 34-36 would get merit awards. I also have a 3.97 GPA and have a ton of EC’s. I’m Indian as well. I want to pursue cardiology. Thanks for your help!

At UMich, ACT 31 would not get you any merit aid. Bell is also very competitive and I know one of the winner last year who has 2300+ in SAT. Is your GPA weighted or unweighted? Are you from in state? Did you check their NPC to see if it is really affordable to you?

I figured. My GPA is unweighted, since my school doesn’t like 5.0 grading scales for some odd reason. I’m in state, and it will be affordable if I take out student loans.

@billcsho‌ are you attending Michigan or are you an alumni? You seem to know an awful lot of information on the school. I would love to get into depth with it, as I’m figuring out my plan to get into graduate school.

@jpdaman11 I did my postdoc there many years ago and I used to live on campus for a few years. My D went to the top feeder high school in town and is now a freshmen in CoE. In addition, I have a lot of interactions with students there in the past 16 years too. Since you are from in state, they will meet your need. When we did the NPC last year, it showed some loan and workstudy on it but they replaced them with grant in the final FA package. So even you may not get a merit scholarship, you still may be able to get some grant.

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I figured. My GPA is unweighted, since my school doesn’t like 5.0 grading scales for some odd reason. I’m in state, and it will be affordable if I take out student loans.


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Borrow as little as possible since you want to go to med school.

You can only borrow $5500 for frosh year.

How much will your family pay?

What aid were you given?

The student can only borrow $5000? They have my applicant listed for a combination of subsidized and unsubsidized loans equalling about $8K

@vocal1046 The only way a freshman student could borrow more than $5,500 in federal subsidized/unsubsidized loans is if the parents apply for the PLUS loan and are denied, allowing for a loan increase. If the student is a junior or a senior, they can borrow $7,500.

I see. The loans listed are “Perkins Loan” and “Subsidized Direct Loan”. Neither indicates who the borrower would be. One is less than $4K. The other is less than $5K

Ok…a Perkins loan is also a student loan. Those are all student loans.

Since getting Perkins loans is not assured, we have a tendency not to mention them.

Those would be your loans, too.

I’m confused. “Those would be your loans, too” means those could be parent loans?

So the cap on freshman year student borrowing is only on Direct Loans?

Perkins and Stafford sub/unsub are student loans. The PLUS loan is a parent loan.

So these two types of loan adding up to about $8K is fine as long as the unsub part is less than $5500?

The student can take $5500 in Direct Loans. In addition, the student can be awarded a Perkins Loan. Vocal…your kid likely got a $2500 Perkins in addition to the $5500 Direct Loan.

No. Direct is the smaller of the two and under $4K. Must have to do with demonstrated need. Here’s another question: Does the FAFSA EFC include kids’ loans and work study?

No. Loans and workstudy are above your EFC.

Direct and Perkins Loans, and work study…are need based awards given to help meet financial need first…not to pay the EFC.

So the kid isn’t part of the F that’s providing a C, eh?

The EFC is expected to be contributed by the family. It is not what schools award need based aid to pay.

This can be parent or student income or savings.

Need based aid is not awarded to fund the EFC.

@mom2collegekids‌ my parents are trying to help me out with what they can salvage. Unfortunately, no aid