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Should I Go With (cheap) UF or (expensive) Shoot Higher?
nimaj21
4 replies3 threads New Member
Okay here's the backstory. I'm from Florida, my family has FL pre paid and I'm going to get full bright futures as well. I'm curious as to whether I should stick with the easy UF route in which I'll graduate debt free and actually with some profit, or try and shoot for somewhere like Georgetown or NYU but probably end in much debt. My parents are upper middle class so we won't be able to get any financial aid and my achievements aren't good enough for merit scholarships so I'm pretty much going to have to pay the full price. My parents also have 3 other children in college/grad school and have to pay for them (all in FL though) and they have made it clear that we would need to take loans or get a scholarship if we plan to go undergrad out of state. They really don't have the money to spend ~40k a year on an undergrad. Obviously I'm not going to waste an out of state tuition on anything lower than UF, but I have such a bland record with nothing too exceptional that I doubt I'll get into the ivies or top 20 (hence why GU and NYU are some prospects). Additionally, I'm already set on striving very hard to get to a top 5 law school (Columbia is my goal) and therefore will need to pay for a grad school, so that's another ~200k I'll need to spend. My stats are:
GPA UW: 3.89
GPA (school weighted): 4.3
GPA (UF recalculated): 4.3
ACT: 33 (35E, 35M, 29R, 33S, 10W)
Class Rigor: Took every honors class possible and also a good set of dual enrolleds.
APs: 10th - APWH (4). 11th - APUSH (5), AP Lang (5). 12th - AP Chem, AP Calc AB, AP lit, AP US Gov, AP Macro
Sat Subject Tests: None (big problem)
Service Hours: Only 110 (60 from a consignment shop, 40 from a week long children's football camp, 10 various little things)
Extra Curriculurs:
-Varsity football 9th-12th (team captain 11th grade year) (lots of time everyday spent here, but I do not want to play in college)
-Varsity track and field 9th-12th (no distinctions)
-Member of NHS, NMHS (Math), NEHS (English), NSHS (Spanish)
-3 year member of FBLA
Any opinions on what choice I should make are greatly appreciated
!
TL;DR - Either take cheap UF route or go in debt for a better but out of state school. Also will deffinetly attend a grad school after undergrad.
22 replies GPA UW: 3.89
GPA (school weighted): 4.3
GPA (UF recalculated): 4.3
ACT: 33 (35E, 35M, 29R, 33S, 10W)
Class Rigor: Took every honors class possible and also a good set of dual enrolleds.
APs: 10th - APWH (4). 11th - APUSH (5), AP Lang (5). 12th - AP Chem, AP Calc AB, AP lit, AP US Gov, AP Macro
Sat Subject Tests: None (big problem)
Service Hours: Only 110 (60 from a consignment shop, 40 from a week long children's football camp, 10 various little things)
Extra Curriculurs:
-Varsity football 9th-12th (team captain 11th grade year) (lots of time everyday spent here, but I do not want to play in college)
-Varsity track and field 9th-12th (no distinctions)
-Member of NHS, NMHS (Math), NEHS (English), NSHS (Spanish)
-3 year member of FBLA
Any opinions on what choice I should make are greatly appreciated
!TL;DR - Either take cheap UF route or go in debt for a better but out of state school. Also will deffinetly attend a grad school after undergrad.
This discussion has been closed.
Replies to: Should I Go With (cheap) UF or (expensive) Shoot Higher?
After that, roll the dice and apply to a number of lottery schools with good need based aid (HYPSM etc.).
If you just want to get out of state, the following thread has a list of schools with merit aid that you would automatically qualify for. They generally are at UF's level or worse.
http://talk.collegeconfidential.com/financial-aid-scholarships/1845583-merit-scholarships-for-students-in-top-5-to-top-10-percent-with-33-act-p1.html
Your post shows that you already know the answer. NYU is not worth the extra money. Georgetown is a great university and DC offers some opportunities that you will not get in Gainesville, but you would have to consider the difference and how much your parents can actually contribute. UF will have a lot of great programs, smart students, study abroad, etc. If that prepaid program covers your entire tuition it's a no-brainer. BUT if the curiosity is there, why not apply to one or two private schools that you are really interested in and see what happens with aid. Also, only in a warped world do you have a "bland record."
Honesty NYU would be silly, you're correct. It's just I feel like I'm lowering myself by going to UF when I could probably shoot a little higher. Then again I'm only a kid and really don't understand the value of money, so a free education vs a 200k education to me is just numbers. I appreciate the reply dude, I'm thinking UF is the smartest and I should just take a gamble on a few top tens and if I get in then maybe dish out the money. But truthfully a fully paid undergrad from a top 50 school is incredible and I just don't think I get that yet. Thanks!
You need to run the Net Price Calculators at a few schools. Your grades are good enough that you have a shot at some selective schools that would offer significant amounts in need-based aid (grants), particularly if your family already has several other children in college.
Try out Vanderbilt's, as an example:
https://npc.collegeboard.org/student/app/vanderbilt
Next, look at schools that offer merit-based aid. Zinhead's link is a good start.
Good Luck!
I really appreciate both the tips and the link! I'm curios when you say the HYPSM etc. have good need based tuition what you mean. Does that mean if I were to theoretically get in they would work with my needs and provide a reasonable tuition? Also that list is great and I'm thinking of maybe applying to CWRU after seeing it. Thanks!
of course, getting accepted to one of these hyper selective schools is another issue...
UF isn't exactly a reach for me and I feel I could do better. I'm not lowering myself whatsoever. I simply want to get into the best school I can since I worked very hard my whole life for these numbers. As for the captain thing since you really want to know, no I wasn't a captain for one game. We sometimes changed captains and I was on the rotation practically every week. I was our objectively best offensive and defensive lineman the whole junior year despite playing with a torn meniscus, a concussion, and whiplash during the course of the season. I could ask my coach tomorrow who was the most influential player last year and he'd say me or this one linebacker (I'm not trying to build myself up, I'm just stating what it was). Over the off season I lost a lot of fat (bad for a lineman) and tore my same meniscus again, so going into this year I'm not quite the player I was. I literally have no padding left (due to the two tears) between my knee, can't get close to a 90 degree bend, and feel burning pain from my cartilage/bones rubbing every time I run. Despite that, I still start as a lineman and I really can't explain to you why I'm not a recurring captain now. I guess my physical abilities have fled due to the injuries and weight loss so my coach doesn't see me fit for the job. I still humbly consider myself influential on the team and would say the only thing I've lost from last year was my physical abilities (due to a personal choice of weight loss and an unctrollable and painful injury).
I hope that did not come off arrogant by the way, I was just stating the facts. I did write some of my essay on football, hence the lengthy explanation haha. It's an area that has a plethora of both negative and positive influences in my life.
Personally, I was shocked how expensive privates after the FA figures were returned and it made the decision fairly easy.
nimaj21, it sounds like you would do well to check out your options. Since you are wondering what else is out there, it might be best to have this conversation with some real options -- a Florida university vs. whatever other universities accept you and offer aid. This is all assuming that your parents are willing to entertain other possibilities. Hope you have a great experience wherever you go...
Start running those net price calculators and looking at those "merit" schools.
Go Gators!
Here is a link to Harvards Net Price Calculator.
https://college.harvard.edu/financial-aid/net-price-calculator
For a family with income of $120,000 and $200,000 in assets, tuition, room and board is $13,250. Harvard will be one of the most generous non-merit aid schools.
Where are you going to get the money to pay for an OOS school? Will your "upper middle class" parents pay anything out-of-pocket if you go OOS? You can only borrow ~$5500/year, so if they won't pay it will be a challenge. You need to avoid debt if you're planning on borrowing $200k for law school.
Run the Net Price Calculators and add a few schools that would be affordable with merit aid. You can add a couple reaches too, but make sure you have a couple financial safeties other than UF on your list so you have a choice in April.
It doesn't hurt to apply out of state as long as you wind up with an acceptable, affordable option. Remember, UF is a really good school. You shouldn't discount is just because it is in state.
You might want to check this out. If they sense you are using them as a fall back you probably WILL be rejected.
http://www.palmbeachpost.com/news/news/local-education/why-cant-i-get-into-uf/nSWJW/
Another point...what exactly do you expect to gain if hypothetically you do gain admission to AN Ivy? What exactly would a degree from say Columbia net you(other than debt) than one from UF or any other reputable University?