Unreasonable loans

<p>[Ball</a> State University - Freshman Scholarships](<a href=“http://cms.bsu.edu/AdmissionsLanding/ScholarshipsandFinancialAid/TypesofAid/Scholarships/BallStateScholarships/FreshmanScholarships.aspx]Ball”>http://cms.bsu.edu/AdmissionsLanding/ScholarshipsandFinancialAid/TypesofAid/Scholarships/BallStateScholarships/FreshmanScholarships.aspx)</p>

<p>This is the link to Ball State Freshman Scholarships. There are some exceptional scholarships that you would be eligible for based on your ACT/GPA but you would need to call Ball State TODAY as time is running out.</p>

<p>If you want to save $$$, you can figure out what U (or Us) you are most interested in transferring to & take as much as your can at CC before transferring, double-checking with the target Us about what will likely transfer. Our D did this and most of her courses DID transfer to the private U she is now attending. It saved us more than a year of tuition at private U & will help her graduate sooner than her HS classmates.</p>

<p>The CC courses she took were taught by teachers who also teach the SAME courses at our in-state flagship U. The good thing she found about CC was that you can explore & take courses that you’re not sure you would really like or be strong in without feeling you’re wasting time & $$$. There are easier & more challenging courses at CC. One more thing, often CCs have tracks where you can get a certificate in something that is useful, like respiratory therapy, paralegal, etc. that can help increase your marketability. In fact, our CC has folks that attend AFTER they get their 4-year degree, so they can get a job that earns more $$$ than whatever their college degree was able to get them.</p>

<p>I’d definitely suggest you dig deeper into what your CC has to offer. If you get one of those certificates, it can help you get a job that will allow you to save more & have more options going forward than your current situation, regardless of your career aspirations down the road. Good luck–D did find year time at CC was interesting, tho most of the kids she attended classes with there were surprised she wanted to transfer, as she is the ONLY student the CC is aware of who has transferred into competitive private U (out-of-state).</p>

<p>Also, UNL accepted the credits but not the hours…so they had extra credits but with the same hours.</p>

<p>That doesn’t make any sense. Credits and hours are the same thing. It sounds like some kids took too many credit hours of various classes and found out that they weren’t needed. That isn’t the CCs fault and it isn’t UN-L’s fault. That would be the students’ fault for not finding out the right info.</p>

<p>Stop listening to students. Contact UN-L and get the FACTS.</p>

<p>What some schools do- is apply some credits to total required for graduation, but as " elective" credits, or as meeting entry level requirements, but still require ____ credits in that subject.</p>

<p>I used to work as a college transfer advisor at a Seattle community college. Our state schools have an articulation agreement where if students follow a prescribed path and receive an AA degree, they will be admitted to the 4 year school as a jr. ( however because of budget cuts and reduced seats- the GPA required has been bumped up).</p>

<p>However, depending on your dept, you may still have required classes to take before you can apply for your major.
If you apply with blank number of credits they may not accept all of them- but if you complete the transfer degree, then they have to accept them in bulk.</p>

<p>This information should be given to you at the CC, but it does change and counselors aren’t able to keep up with all changes. It’s up to you to find out what current stats are.
[Western</a> Nebraska Community College - Nebraska Transfer Initiative](<a href=“http://www.wncc.net/students/academic_advising/nebraska_transfer_initiative/]Western”>http://www.wncc.net/students/academic_advising/nebraska_transfer_initiative/)</p>

<p>

</li>
</ol>

<p>I also want to stress re: 2nd hand experience with NYU.</p>

<p>I was acquainted with a former students late mother, her daughter received excellent financial aid from NYU for freshman year.
Sophomore year it was not as good, and her single mother had to take a leave from her job because of a recurring illness. Early jr year her mother died, and her daughter had to drop out because of finances.</p>

<p>Schools do tempt students by offering more grants than loans freshman year- however if it is an expensive school, offering loans are also a way that need can be “met” with much less impact to the school’s bottom line.</p>

<p>Emerald has listed the articulation agreement that Nebraska’s CCs have with Nebraska’s colleges (including UN-L). This is why you shouldn’t listen to fellow students. Their problems are usually caused by their own mistakes - **often choosing core classes that aren’t the right ones for their 4 year degree. **</p>

<p>Nebraska Transfer Initiative
The Nebraska Transfer Initiative is a cooperative effort by Nebraska’s public and private higher education institutions to facilitate the transfer of students who have earned an Associate of Arts degree into baccalaureate-level programs. The core of this initiative is a common general education cluster of courses. The remainder of credit hours required for the Associate of Arts degree should be selected by the student in consultation with a transfer advisor and the institution to which they are transferring.</p>

<p>This initiative provides a smooth transition with a minimum loss of time and credit when it is accepted by the baccalaureate-granting institution in Nebraska.</p>

<p>Effectively, through this initiative, associate and baccalaureate-granting institutions are equal partners in providing the first two years of a baccalaureate degree.</p>

<p>Essentially, any student who has successfully completed the courses identified in the articulated Associate of Arts general education core curriculum with an equivalent of a “C” (2.0 on a 4.0 scale) or higher and is admitted in transfer to a participating institution will be:</p>

<ol>
<li>Granted standing comparable to current students who have completed the same number of equivalent credit courses toward an associate/baccalaureate-level degree;</li>
</ol>

<p>and</p>

<ol>
<li>Able to progress toward an associate/baccalaureate degree completion at a rate comparable to that of students who entered the associate/baccalaureate institution as first-time freshmen.</li>
</ol>

<p>Participating institutions in this initiative include:</p>

<pre><code>* Bellevue University

  • Central Community College Area

  • Chadron State College

  • Clarkson College

  • College of Saint Mary

  • Concordia College

  • Dana College

  • Doane College

  • Grace University

  • Hastings College

  • Metropolitan Community College

  • Mid-Plains Community College

  • Midland Lutheran College

  • Nebraska Christian College

  • Nebraska Indian Community College

  • Nebraska Methodist College

  • Nebraska Wesleyan University

  • Northeast Community College

  • Peru State College

  • Southeast Community College

  • Union College

  • University of Nebraska-Kearney

  • University of Nebraska-Lincoln

  • University of Nebraska-Omaha

  • Wayne State College

  • Western Community College

  • York College
    </code></pre>

<p>Students enrolling in transfer programs should talk with their faculty advisor and a transfer advisor to arrange a course of study acceptable to the college they plan to attend after graduating.</p>

<p>You sound like a strong student with great prospects but you are raising some red flags for me that suggest you might be about to ‘mispend’ your future. </p>

<p>So, take this with a grain of salt, but I am a little concerned about your natural affinity for research given your reliance on misinformation or hearsay instead of going to sources to arrive at your opinions, particularly as they relate to your own future. As a former journalist, editor, and present business owner engaged the communications and multi-media disciplines, I encourage you to carefully consider and align your natural inclinations with your avocation to enjoy a happy (and debt free life ;). Eg. if you generally don’t enjoy digging deep for info, you will be quite bored with news reporting, especially civic affairs, careful court coverage, et al. If you are bored by Nebraska in general, you may not have the natural curiosity that benefits reporters, because “bored” is a state of mind, not a place, and the truly curious are never bored.</p>

<p>Then again, we all know what it feels like to be restless, and maybe your instincts are pushing you to get away for your own good, and all will be well. But be very frank in your assessment of your natural strengths because the news world is highly competitive and not nearly as glamorous as some young people think, and certainly less rewarding today that it has been in the past due to gross and unconscionable conglomerated and partisan ownership that threatens the very independence of the press (coupled with our county’s capacity to “amuse ourselves to death” as Neil Postman would say).</p>

<p>On the other hand, you may very much enjoy other aspects of the communications field, publishing and “content generation.” But I will say this about long-form narrative: it’s future as a viable market continues to grow a little sketchy.</p>

<p>In either regard, NYU is certainly NOT the epicenter of education in the field of communications. Northwestern’s School of Communications is generally much more highly rated, and if you write well, your stats may be sufficient for entry. In that case, take a gap year and try. It’s just as expensive, so you would only want to go if you earned merit scholarships.</p>

<p>Another solid selection would by Newhouse School at Syracuse – a well regarded program. Another completely valid approach (and better, to my mind) is a broad liberal arts background undergrad and GRAD school (Masters) at Columbia. I’ve known some outstanding professionals who took this approach.</p>

<p>If your interest in publishing is due to an interest in fiction writing, Iowa has one of the continent’s leading creative writing workshops and programs, including an MFA.</p>

<p>So, just to give you food for thought, I don’t especially feel NYU is a great place for you considering how phenomenally notorious they are for giving REALLY BAD AID. I see no professional edge at NYU unless you actually intended to go to Tisch for Film or Screenwriting, but even then I would say do that for grad school, not undergrad in your financial circumstances. If you do elect to go into debt (and are even able to borrow the amounts you’ve discussed, which I think will be more difficult than you believe), then spend it wisely as it may take you the first half of your life to get out from under it.</p>

<p>And if communications is your calling, there is a school of thought that suggests this can’t exactly be taught, meaning so long as you continue to expose yourself to new situations, information and material and keep honing your skills, YOU ARE CONTINUING YOUR EDUCATION whether you’re in college at the moment or not.</p>

<p>I hope this has been helpful to you. I wish you the best in your search.
Cheers,
K</p>

<p>^^nice kmc…and you are right, I was searching for a stop gap and the OP could very well take a year off and start over with a better list of schools, all of the ones you posted I would have suggested and a few more. It’s a shame the OP did not ask questions of this forum much ealier in the process but that kinda/sorta lines up with your first and second paragraph doesn’t it? The OP does have nice strong stats and it’s a shame didn’t cast a slightly wider net as now the OP is shut out of most of the merit scholarships.</p>

<p>my ACT is a 30 and I have a 4.0 GPA.</p>

<p>hmmmm…Gosh, I’m trying to think of who might give this student a better scholarship at this point.</p>

<p>The problem with applying again next year is that many colleges only award big scholarships to incoming freshmen of CURRENT seniors. </p>

<p>Hampton University would likely award her a large scholarship…and it’s not too late. It is in Virginia.</p>

<p>[Hampton</a> University - Admissions](<a href=“http://www.hamptonu.edu/studentservices/admissions/scholarship.htm]Hampton”>http://www.hamptonu.edu/studentservices/admissions/scholarship.htm) Scholarship info</p>

<p>[Hampton</a> University - Admissions](<a href=“http://www.hamptonu.edu/studentservices/admissions/requirements/]Hampton”>http://www.hamptonu.edu/studentservices/admissions/requirements/)</p>

<p>

</p>

<p>very nice thoughtful post- with great advice.</p>

<p>kmc some of what you said is completely true for me. And I do agree. I wish I had posted something earlier and asked for more opinons. I really didn’t know what I was doing, and I thought I had everything worked out and I did not fully comprehend the process because unlike some students my parents really didn’t want anything to do with it, so I figured I was fine. I wanted to do this, go here or here or here, and I could do that.</p>

<p>I did read that thread on the myth of debt, or whatever the title was again. My parents fall into the category of ‘you can do anything you want’ and ‘follow your dreams’. In this sense they are too supportive, and no matter how hard I try I can’t seem to get them more involved.</p>

<p>Maybe this is just me, but another reason I do want to get out of NE is to expierence new things. I have been so sheltered in what I have experienced. I go to a SMALL school (23 of us in the senior class, only like 17 in the junior). So there are not a lot of opportunities and I really want to experience those opportunities. I think this is partly because I have not seen all of the things that can be accomplished and I have not been offered some of those things to accomplish. </p>

<p>I do like the more creative side, but I know how hard it is to make it as a writer and all of that. Instead, I decided I wanted to use my creativity and natural abilities (reading, writing, creativity) to my advantage that I could apply to a much more stable job. If anyone has any suggestions of other career fields or majors that would be along these same lines that would be amazing. That is the thing, I know I am smart - in a sense. But I don’t know many things in these areas. My experience is so limited that I don’t fully understand what I can and can’t do with an English degree, or any degree that does not directly relate to a career such as nursing or radiologist or something in the medical or law field. I just haven’t experienced enough to know, and that is because my school is so little, even though I love it.</p>

<p>* Presidential</p>

<p>The Presidential scholarship is awarded to students with a SAT score of 1300 – 1390 (combined Math and Critical Reading score only) or an ACT composite score ranging from 29- 31. This four- year scholarship covers the cost of Tuition, Room, and Board.*</p>

<p>you really should apply for this. Even if you only go for 2 years and then transfer elsewhere, you’ll save a bunch of money if you get this scholarship.</p>

<p>[Hampton</a> University - Admissions](<a href=“http://www.hamptonu.edu/studentservices/admissions/scholarship.htm]Hampton”>http://www.hamptonu.edu/studentservices/admissions/scholarship.htm)</p>

<p>Here’s another thought. Give Lake Forest college in Chicago a call. It is past their deadline for applications but these days you never know. The Metra train leaves just a few blocks form campus into downtown Chicago. They are known for their aid and scholarships and internships and given your stats they might be interested if you hurry and call them. They have a number of programs connected to Chicago that could feed your communications interest and a liberal arts background is not all that bad for PR/Communications/Advertising, etc. Chicago isn’t New York but frankly I like Chicago better than New York LOL.</p>

<p>That is all fine, I just don’t know. I don’t know anything about those colleges. I have never been to Virginia and not counting the airport, I have never been to Chicago. I also think that many scholarships and money have been given out already to students that applied earlier. I could be wrong of course. I am just afraid that if I apply and I go, I won’t like it. Isn’t the money wasted if I go and I hate it?</p>

<p>Fairylight…</p>

<p>Please don’t take this as harshly as it will sound, but you’re full of excuses. You have no idea if you’ll hate ANY school that you’ll go to. You could go to NYU and hate it. You could go to Arcadia and hate it. Do you have any idea of how many kids get into dream schools and then find that they don’t like them? Many!!! </p>

<p>There’s no harm in applying. The fact that Hampton doesn’t have a scholarship deadline that has passed strongly suggests that they will consider you if you apply. Go for it. What do you have to lose?</p>

<p>I could and that is a post/thread/discussion for another time, because I’ve already gone over those scenarios in my head about the colleges that I did apply to. But at least I was able to visit those, there is no way I would even be able to visit Hampton. But I am going to consider it. I still have a few days to decide if I want to apply, right?</p>

<p>:)</p>

<p>Yes, you do have some time.</p>

<p>But, consider this…right now, you don’t have ANY affordable options (except for a CC which you oppose). </p>

<p>BTW…what was your EFC?</p>

<p>It was like 6370 or somewhere around there. I dont know why it was so high my parents make a little about 50k combined and that is about what I make in a year. They have no assets, no savings, nothing like that.</p>

<p>???</p>

<p>Are you saying that you make about $6k per year? If so, that is what is driving up your EFC. Your income counts more heavily towards your EFC because it is assumed that a good portion of your income can be dedicated towards education. The thinking is that your income isn’t going towards home expenses like your parents’ incomes are.</p>

<p>How much of your income can you dedicate towards your education?</p>

<p>Hehe, yeah sorry, I make about 6-8k a year. </p>

<p>Once I go to college, say I go to NYU, I would obviously get a job and work as much as I can (probably more than work study), then I wouldn’t have as many expenses. Right now I am paying for car insurance, my car payment (which if I go out of state I am selling my car), and right now I am paying off my computer. That is the thing, I buy most of my stuff myself. The only thing I dont really pay for is rent, utilities, and some food, some, I pay for my school lunch and stuff too.</p>

<p>But if I went to UNL, i would still need my car, so I would be working in lincoln, paying for car payment, and insurance. Otherwise the rest would be used for my education. I am not the best saver. I am good with what I have, but saving is a skill I am in the process of developing. I tried to get a savings account last year, I looked at a whole bunch and compared rates and stuff and wanted my mom to look at it, but she said she A) didnt want to do it online (cause an online bank had the best rate) and B) it wasn’t worth it since it wouldn’t be for a long time and I would barely make anything off it.</p>