<p>Hello, I am a junior and am looking at many colleges right now. I live in NY btw.
I am interested in colleges like U Miami, U Missouri, Clemson, Colorado and a lot more. These colleges are pretty expensive and wanted to know how much aid i could get if you had to estimate, so here is my situation. My family is middle class i would say, My mom is a nurse who works at a hospital and my dad is a police officer (my dad is an Irish immigrant who came here alone while he was 19), so my family makes good money. The thing is my mom is attending CW Post currently to get her masters and will be attending next year as well. I have a twin sister who will be going to college the same time as me, and my brother is one year younger who will be also going at the same time. That is 4 family members attending college during the same time. Would i receive financial aid for a situation like this or no because I have read that middle class families get next to no aid just because they think you can afford it, (Which is BS). So, please leave your thoughts thanks! </p>
<p>PS i know SUNY schools are a nice option and i am looking at them but i would prefer out of state. and my dad said that for me to be able to go out of state the whole cost of attendance for each year has to be around 20k so i need the aid to bump down the costs. And i might receive some scholarships i guess as well. </p>
<p>Public universities rarely give good financial aid to students from other states. I do know that Missouri makes it easier than some other states to establish in-state residency after a year of college (Google this, I think you will find information). But most of the other schools on your list will not give you much aid. Why should they? Your family does not pay taxes in their state. U of Miami is private, though. </p>
<p>What you need to do is run the net price calculator on the financial aid website of schools you are interested in. Your first year you will have 3 people in college, right? And four after that – depending on when your mom finishes. </p>
<p>But look hard at your SUNY options, they will likely be most affordable.</p>
<p>Run those NPCs. You didn’t mention your ‘stats’ at all but you might have options if you are super high stats. Even with merit the cost may be too high. If you want to afford oos, you may have to take a step down from instate options. Check out some of these:
<a href=“VERY LOW COST OOS COA universities......less than $25k COA for everything! - Financial Aid and Scholarships - College Confidential Forums”>VERY LOW COST OOS COA universities......less than $25k COA for everything! - Financial Aid and Scholarships - College Confidential Forums;
<p>Collegesean, need based aid is primarily based on the income for your parents. The schools you have listed do not guarantee to meet full need anyway…and they don’t. The only guarantee you have is a Direct Loan ($5500 for freshman year).</p>
<p>what are your stats? to get merit, you need strong stats.</p>
<p>Your mom will not get counted as being in college for your calculation (parents dont count…and it sounds like she will graduate when you graduate from high school anyway). your twin will count. but it sounds like your EFC will still be high…and may soon be higher if mom will be making more money.</p>
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<p>No, mom only has one more year left…she’ll graduate when OP graduates…and parents in school do not count. parents can count kids, but kids cant count parents.</p>
<p>Clemson is quite expensive instate AND OOS, and you need very high stats to hopefully get stats down to your goal. </p>
<p>You almost need a full tuition scholarship to get your remaining costs down to your goal. Room, board, fees, travel, misc tends to run about $15-17k per year.</p>
<p>what is your major? career goal??</p>
<p>rule of thumb…you wont get need-based aid from OOS publics…your only hope is merit scholarships if your stats are high enough.</p>
<p>other schools may or may not give you need-based aid…depending on your family income and whether the school gives much aid…most schools do not give great aid.</p>
<p>What is your intended major and what are your GPA and SAT scores? SOME private schools offer generous scholarships that might make it possible for you to go out of state for a lesser cost than the out of state public schools. Look at the top of the financial aid threads and see the one about schools offering guaranteed merit scholarships - since those are not need based, you may find a way to get out of state. </p>
<p>SUNY has some excellent schools that people from out of state would love to attend.</p>
<p>If your parents are willing to come up with $20K a year with you, that’s your starting point as to what is affordable. You should get some numbers from your parents and see what kind of EFC results from the estimators. That is the minimum you will likely be expected to pay before you get ANY money. With 2 in college (mom doesn’t count) the EFC will be about half for each of you and 1/3 when there are three in college the next year.</p>
<p>But here is the big catch: not a single school guarantees to meet need as defined by EFC. Not one. Those that guarantee to meet full need, make you fill out another form and then come up with their own need number which is usually not as low as the FAFSA EFC. So just because you have need, doesn’t mean it’s going to get met. The SUNY schools do tend to meet full need as defined by EFC when it comes to tuition and fees, but not for room, board, travel, books and any discretionary expenses. </p>
<p>With the $20k budget restriction, finding privates with that NET would require near-full Tuition scholarships. Not impossible, but harder to find at the privates that seem to interest you…unless you have top stats. </p>
<p>There are a number of privates that will take $15kish off the tuition for good stats, but that can still leave you with a $40k per year cost.</p>
<p>Seems like ALL of the juniors with financial issues live in NY state. This is the third in a short time. </p>
<p>The SUNYmschools really are good schools. And there are some that give merit aid to high achievers! Start looking.</p>
<p>And check the thread with a stickie for schools with costs lower than $25,000 a year.</p>
<p>You need to run a preliminary FAFSA and see what your EFC will probably be. If it starts at over $20K, you are unlikely to make your budget. Also run the NPC for those schools and it will at least give you a ballpark figure of what you are likely to get in Financial Aid. The schools that you have mentioned don’t seem to be ones with great endowments - as those are the ones that are most likely to be able to provide generous grants. Otherwise your only other hope is if you are so wonderful that they will provide you with merit aid.</p>
<p>SUNYs would would work. Student has to do some work too to get some money, plus there is that Direct Loan. </p>
<p>If you have $20 K to spend, a SUNY is definitely doable. Ther is a variety of them, from a rural ivy-covered liberal arts college where a kid from our HS goes – he was waitlisted at Princeton, so it tells you what a good school it is. There are also huge modern research universities. It is a good option, or actually, several options. They run the gamut in stats, too. OP many kids want to go far from home (in other words, to go away) but in New York, you can go to a SUNY five or more hours from home! Once you are “away” you are away. Really. Don’t let the out of state thing lead you to a more expensive route if you are looking at comparable schools in state.</p>