<p>Also from my understand the tuition raises at the UCs will surpass that of Rutgers here soon from what some of my school officials are saying.</p>
<p>I’ll have to research this PROFILE. NYU just seems out of reach at this point.</p>
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<p>Of course you can as long as you know that your lying can be grounds for dismissal from your school (no degree, no med school, no future financial aid), the federal government can charge you with perjury, impose fines, jail time and make you repay all monies that was fraudulently given to you.</p>
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<p>Lying on the forms is fraud. It can cause you to lose your financial aid, lose your status as an admitted college student AND it can cause you to pay a fine as well…it’s FRAUD.</p>
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<p>Sorry…but NEED is for students who do not have the income level your mom has…sorry…that’s it…plain and simple. Your mom earns more money than the $80K cut off for even the CalGrant…so even there you are ineligible for NEED based aid because your income it too high.</p>
<p>Need based aid isn’t for families (NOT families…not YOU…your family) who don’t WANT to pay…it’s for families without the income and assets to pay. With an income of $120,000 a year…and just you in college…you should be able to find a school within your financial means. If your parent is only willing to contribute a certain amount, then you will have to figure out a way to pay the difference…commute, go to school part time and work, take a year of two off and save money…and then pay your own way for those last two years of undergrad. </p>
<p>Your income is WAY too high to be eligible for federally funded needbased aid…WAY too high. AND for most colleges your estimated family contribution based on $120K per year income would be between $25,000 (or more) and $39,000 (or so). My guess is that $30K per year would be a good guestimate of what MOST colleges will expect your family to contribute to your college costs. You will need to talk to your family about your college plans.</p>
<p>Where do you go to school now…and what did your mom THINK was going to happen when you decided to leave that school? Are you at a four year college now? If so, does it cost $300 a month? Why are you transferring?</p>
<p>I don’t think you are understanding me. I understand it’s a label but just because they give estimates doesn’t mean anything. My family has no extra money to spend on college. Just because someone is below the cap means they get to pay less for college is bs. Ive had to work just as hard as them with no help from my family.
I am at a cc saving money. I am transferring because I want a better education.</p>
<p>Working as hard I mean job wise. Academically it’s crippled me because I’ve had to work so much.</p>
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<p>Your family makes more money than 85 percent of all Americans. If they have no extra money to spend on college, that’s by choice, not by necessity.</p>
<p>The vast majority of us cannot afford to attend $50,000-per-year colleges. They are a luxury item, like a Maybach or a power yacht. The rest of us, we attend state schools or find private colleges that will offer significant need/merit aid.</p>
<p>Check out the [Western</a> Undergraduate Exchange](<a href=“http://wue.wiche.edu%5DWestern”>http://wue.wiche.edu) for a number of Western public universities that will offer you affordable OOS tuition through interstate exchange. I transferred from a California community college to the University of Idaho with the program and it was a wonderful experience.</p>
<p>*I actually just got done calculating Rutgers vs.UCs its around the same amount of money give or take a 3 or 4 thousand, which is fine with me. If I’m paying for college I want to be happy with the place I am at. UCs don’t bring that happiness for me. *</p>
<p>That is not true. Going to Rutgers will have a lot more costs for you. You’ll have costly transportation costs a few times per year.</p>
<p>You have no idea what kind of “happiness” you’d have at Rutgers. You’ve never gone to school there. </p>
<p>And if you go to a UC or Cal State that you can COMMUTE to, then you’ll save a LOT right there.</p>
<p>Rutgers … Out-of-state tuition and fees: $24,044</p>
<p>UCLA…In-state tuition and fees: $12,686</p>
<p>they aren’t just a few thousand different in prices…And you have no idea of how NJ will raise Rutgers prices.</p>
<p>Cal Poly (either one)…In-state tuition and fees: $6,099</p>
<p>Which UC or Cal State can you commute to?</p>
<p>Even if you lived on campus at a Cal Poly, it would be much cheaper than a UC or Rutgers.</p>
<p>**
Is your mom going to co-sign these loans? If not, how would you get them???**</p>
<p>I actually make enough money to get the loans in my own. Here is the flaw in those 2 statements. Cal Poly is extremely overcrowded and took 0 transfer students last semester. Commuting to UC irvine would be fine minus the fact that bio majors are extremely impacted there making it hard to get classes. I know that I would probably have a better time at rutgers because my mom would leave me alone. I would have to start paying rent next semester which means I need a job which means I have to have a car and less time spent on school work. And I know I would have a better time at rutgers because UCI has been rated as one of the most boring schools and rates by my friends as that. At rutgers I would not have to have a car if I lived on campus and would be given 300 dollars a month vs paying my mom money. There’s a reason I advocate rutgers so much. I did my homework and it is definitely better than going to UCI which I would hate. There are a lot of other reasons I have for wanting to live out of state as well.</p>
<p>Thanks polarscribe I’ll check that out.</p>
<p>What about a SUNY? They are always looking for out of staters ad you might get some consideration.</p>
<p>Stonybrook is my second choice actually! I don’t know which ones are good besides that one.</p>
<p>Scienceguy…please look at the costs and the numbers. If your mom will give you $300 a month…that is $3600 a year…not nearly enough to pay for ANY of the schools on your wish list. I don’t believe you will receive a penny of need based aid for these schools…and I don’t think your grades are going to make you a strong candidate for merit money as a transfer student.</p>
<p>So…say the cost of SUNY is $25,000…and you have $3600…that leaves $21,400. You would be eligible for a Stafford loan of $7500 as a junior which leaves a balance of $13,900. Where will you get that $13,900? Where? </p>
<p>I think you have to have a serious talk with your mom about this. She must have some idea of what she thought you were going to do when you completed your two years of community college. Discuss this with her…and hopefully you can come up with a plan.</p>
<p>I have 20k and if I sell my car I will have 13 thousand for school. Suny’s will actually be cheaper than a UC next year. Looks like I just have to loan it no matter where I go!</p>
<p>After next semester if I get the grades I think I will I’ll be eligible for some merit based scholarships that require 3.5+ I just can’t think of their names right now. I understand the cost but I think you aren’t understanding, just because I’m commuting does not mean it is lower costs. I spend close to 400 dollars a month alone on gas and I still have to cover insurance rent and clothes. I won’t have that 400 dollar expensive if I eliminate the car and will gain 13 thousand dollars.</p>
<p>You know what I apologize I guess I am just being childish. I didn’t post this thread for what we are talking about but UCs would be a better option I just don’t know if I can wait it out. I would love to go to UC Davis in their microbiology program but I don’t feel like taking the requirements at my CC because we have a horrible science department plagued with bad teachers (our building and equipment is very very old). I want to experience college a little differently. I want cold weather I want snow and I want to get out of california. I just don’t know if going out of state is exactly worth it based on these previous comments. I want to actually go to college and enjoy it. I don’t want to end up like my mom, working and stressing out all of the time about money. I want to go to Rutgers so bad I guess it just clouded my thoughts. If I do get accepted though I do think I will attend regardless of the debt. Its give or take there is going to be cons about both ways, why don’t I just pick a route that I see ideal to me. Either way I will end up with debt. I have high goals for myself and I will see that they get met even if I end up with a little debt. </p>
<p>Sorry I didnt respond to you “whats your science gpa,” my science gpa right now is a 3.75</p>
<p>Thank you all for your feedback.</p>
<p>Scienceguy…you will figure it out…and you will do what you need to do to make it happen. It may not be the “easy way” but you’ll get there.</p>
<p>Please…do have a talk with your mom…and take those prerequisite courses at your CC…it’s the means to an end.</p>
<p>Good luck with it all…you’ll get there.</p>
<p>I actually make enough money to get the loans in my own.</p>
<p>???</p>
<p>How much will you earn each year for the next 3 years when you need to qualify for these loans. Each year you would have to qualify to borrow more based on your current earnings. If you stop working or are working less then how would you qualify?</p>
<p>Yes, you can lie on the form. You can lie on the entire application. Why not forge the transcripts as well and the test scores. You can also steal the money to pay for your college. Of course, you can lie and steal. People do all of the time. </p>
<p>FAFSA is a federal form so the possible ramifications of lying on it can be stiff. </p>
<p>Very few students have the requirements to take out student loans outside of the Staffords without someone co-signing. You’d have to have the employment history, assets and credit history. The interest rates if you should possibly get such a loan are usually outrageous. Also, the amounts that are available to borrow vary and getting anything over $25K and even close to that amount is not something offered to many students after going through the process. </p>
<p>Apply to a variety of schools and see what pans out. Just make sure you have some good back up options understanding they could be your primary choice.</p>
<p>I was pretty sure the use of these forums was for positive action. If you scroll up I’ve thanked you all of you. So what do you get out of constantly contesting me? Not sure, doesn’t seem to logical. Even if I didn’t make the money, who cares? Aren’t we suppose to teach our kids manners and to be treated how they wanted to be treated. We post on this forum for help, not parents of college kids bickering with us. It’s ridiculous. What happen to common courtesy. I don’t really know. I asked the questions because I am ignorant, whats your excuse?</p>
<p>That is all.</p>
<p>(There’s a great life lesson in this, LIFE isn’t about winning arguments on college forums)</p>
<p>Who was acting ignorant to you?</p>
<p>We can see from your financial situation that your options are limited. We see that you have professional school as a goal.</p>
<p>We’d like you to be able to meet that goal. We could give you “pie in the sky” ideas that will get you nowhere but drowning in debt.</p>
<p>There’s a student in another thread who posted that his mom borrowed for his first year and now won’t do it again because her credit has been “hurt” by that outstanding (not delinquent) loan. His tuition is due very soon and there’s no money to pay it. He wants to eventually go to Dental school. </p>
<p>If he had asked questions 2 years ago, some of us might have been able to steer him to choices that wouldn’t have him in this present pickle. </p>
<p>You’re losing focus of your goal…your goal is to become a physician. That’s your dream. Your dream isn’t School X or School Y. That’s just 3-4 years of your life. </p>
<p>If you get your AA at your CC, then you can TAG to UCI, is that right? </p>
<p>If you can commute to UCI, you’d save a lot of money. If being around your mom annoys you, then guess what, being in college is a perfect excuse to be away from the house except to sleep and maybe eat a bit. You can study on campus and have a job somewhere. There’s little reason to be “at home” that much. </p>
<p>With a little creativity, study groups, on-campus clubs, and a job, etc, there can be lots of reasons to spend little time at home.</p>
<p>It’s a small price to pay in order to avoid big undergrad debt.</p>