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how much does fafsa cover?? out of state?

ventura145ventura145 Registered User Posts: 20 New Member
how much does fafsa cover? does fafsa cover out of state?????
Post edited by ventura145 on

Replies to: how much does fafsa cover?? out of state?

  • thumper1thumper1 Registered User Posts: 63,457 Senior Member
    FAFSA doesn't cover anything. It is a financial aid application form that primarily determines eligibility for federally funded need based aid. Colleges will receive your submitted FAFSA and determine what need based aid you are eligible to receive from their school.

    If you are asking if schools using the FAFSA will guarantee to meet your full need as an out of state student...there are only two public universities that do so...University of Virginia, and University of North Carolina at Chapel Hill.

    All other public universities typically award federally funded need based aid only. You would be able to take out a Direct Loan for $5500 for freshman year. If you are low income, you might be eligible for the Pell grant, SEOG if the school has it, and work study. The sum total of all this aid would NOT meet the out of state costs of attending a public university as an out of state student.
  • momofthreeboysmomofthreeboys Registered User Posts: 15,337 Senior Member
    FAFSA is used by colleges to distribute federal grants and loans so you fill out FAFSA for all the colleges you are contemplating (except for the handful of colleges that do not accept any federal aid.) The most you could possibly receive is the maximum federal direct loans (which you need to pay back after you graduate or begin paying if you leave college before you graduate) and is $5500 for freshmen and Pell Grants which are for very low income families and is on a sliding scale depending on your family income, but is only roughly $5500 so to answer your question federal aid will generally only cover the costs of a student living at home and attending a local college or institution. Below are a couple good websites for you to read.

    FinAid! Financial Aid, College Scholarships and Student Loans

    Home | Federal Student Aid
  • mom2collegekidsmom2collegekids Registered User Posts: 82,539 Senior Member
    FAFSA doesn't "cover" anything.

    Federal aid doesn't care that you're choosing to attend a pricey school. That's YOUR choice...a luxury choice. You don't get more federal aid for that.

    For instance, if your EFC is 0, and you CHOOSE to attend a pricey school that costs $40k, then you might ONLY get a 5500 grant and a 5500 loan....11,000 in aid...so not nearly enough to pay for the OOS school.

    Federal aid isn't much. It may only cover commuting to a local public univ. It usually won't even cover room and board.
  • charlieschmcharlieschm Registered User Posts: 4,282 Senior Member
    Unless you find an unusual out of state college that provides exceptionally good merit or need based aid to you, going to an out of state public college is often a luxury, and is not worth the extra debt. Too many poeple romanticize that an out of state public college must be better than their in-state choices.

    There are some states (mainly in the west and upper mid-west I believe) that have agreements with other states to offer reduced tuition to their residents. That could be advantageous and offer wider choices without added costs.

    There are only 2 or 3 public colleges in the US that promise to meet all of the financial needs of out of state students. Most public colleges are heavily marketing themselves to out of state students because they make a "profit" off of them.
  • mom2collegekidsmom2collegekids Registered User Posts: 82,539 Senior Member
    Too many poeple romanticize that an out of state public college must be better than their in-state choices.

    This is true.

    While there's nothing wrong with going OOS for college, some kids seem motivated to go OOS for the sole reason of going somewhere that their classmates aren't going.

    That's all good and fine if family will pay for the experience, but to expect taxpayer money after filling out FAFSA for that experience is not reasonable.

    If you can find a college that will give you their OWN money (usually based on CSS Profile results, not FAFSA), then that's fine.

    But, again, the FAFSA application is to determine FEDERAL aid which is very little....usually just enough to pay instate public tuition...and not even room and board.
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