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sybbie719 Super Moderator

2,622 Points 5,585 Visits 20,601 Posts
Last Active:
Super Moderator
  • Re: How to estimate FA with an ED app (and FA estimates with $25k range)


    Op made the following statements to which I think @raclut was responding to
    @contdes wrote:

    in opening post

    Someone I work with and who makes the same as I do comes out with a $0 EFC because his wife doesn’t work. Their decision on ED is much, much easier because of this, according to them (and I have to agree!). Our household has both parents working and making equivalent amounts (so we basically earn 2x their family). I confess it frustrates me that a family with 2 kids ages 13+ and an able bodied potential wage earner with a masters degree gets assessed at the single income of the father (she is vocal about choosing to be a “stay at home mom”). I should add that this other family is only applying to schools that commit to meeting 100% demonstrated need.
    @contdes wrote:

    in Post # 13

    Well, that makes me feel better. The way the guy talked about it made me feel like he was gaming the system. By his logic, I should take a few years off work b/c nearly my entire paycheck will go towards tuition! Reminded me of that choice many of us make regarding day care when our kids are little. Do we work and pay for day care and "take home" very little $ or do we just stay home with our kids until they are school age? It's a hard choice for many of us.

    I agree that it is best not to count other people's money as no matter what your friend is telling you, you really have no way of knowing what is going on inside of that marriage.

    If he makes the same amount as you and you make the same amount as your spouse, tit is highly unlikely has an EFC of 0 unless he has a whole houseful of kids and other people that s/he is taking care of, especially if you and your working spouse has a minimum EFC of 25k (combined income of ~100k) . Considering that the overwhelming majority of schools in the country no not meet 100% demonstrated need, the only thing a 0 EFC guarantees you is $5890 in Pell and a loan of $5500 ($3500 subsidized). Now your friend may be eligible for 0 parent contribution at schools with deep pockets if income is below a certain threshold (100k at Stanford, ~50k at Columbia and Cornell, 60k at Harvard, free tuition at Dartmouth for under 75K or other initiatives like Questbridge, but that is a different issue). For many of these schools and other schools that meet 100% demonstrated need, the biggest hurdle is getting admitted.

    You are very fortunate, if you can afford $45k per year to send your child to college . This means that your child will have may choices that your friends child does not.

    When you file for financial aid at schools that meet 100% demonstrated need, most will ask for the FAFSA to determine your eligibility for federal aid because PELL grants are an entitlement-if you are eligible for them you must receive them. The FAFSA will also determine one's eligibility for FWS, SEOG, TEACH grants (junior/ senior year if student decides to become a teacher) and any state aid the student is entitled to if their home state 1) provides state aid and 2) attends college in their home state.

    Most schools will use either the CSS profile or their own financial aid forms to determine how they distribute their own institutional aid . For divorced, separated or never married-not living together parents, the school will again request either their own form or the Non-custodial profile.
  • Re: Private school aid question

    There will be a shift on the part of the parent and student contribution. you file the FAFSA each year. if your friend has 2 kids in college this year then goes down to one kid in college the package will change. By the same token if there is only one kid in college now and there comes a time where there are 2 in college the package will change.

    Keep in mind that the student will take on more financial responsibility in the financing of their education; if there are loans in the aid package, the package will change each year when the student is able to borrow more.
    The aid package is going to change each year because there will be an increase in the student contribution as the student will be more able to get summer jobs/internships.
    While the school may continue to meet 100% demonstrated need, the make up of that need may change year over year
  • Re: Formulas for Divorced Parents

    That is not a hard and fast rule.

    The school determines as what they will and will not take into consideration when it comes to giving out their own money.
  • Re: How to estimate FA with an ED app (and FA estimates with $25k range)

    the whole premise of ED is in exchange for an early decision, if accepted, you will attend. You get a small window to decide. There is already an expectation that you have done your due diligence regarding affordability when you applied.

    You, your child and the GC sign off on ED that you understand the process when you are applying ED.

    Also when you are accepted ED, you are to withdraw all applications and not make any new ones. While you are only concerned with your kid, your high school is looking to maintain relationships with the college because they will have other students applying. At some high schools once you receive the acceptance your application process stops until the school receives notice from the school or the parent, that you are not taking the offer.
  • Re: Trying to transfer to SUNY New Paltz

    superscoring is your highest reading score on the test that you have taken plus the highest math scores when looking at all of your test scores.

    for example if on your first try you got a 550 on EBRW (reading) and a 570 on the math and on your second try you got a 600 on the reading and a 550 on the math, your superscore would be an 1170 - 600 reading (from test 2) and 570 math (from test 1)

    I wish you well in your transfer process. However, I think that you would have an easier time getting admitted if you waited until you completed your associates degree. Right now they will look at your high school grades and scores, where if you have an associates, it would not be an issue