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How do people afford OOS tuition?

timvasilyev7timvasilyev7 Registered User Posts: 55 Junior Member
How do students afford OOS tuition for schools like Michigan, Georgetown, Berkeley etc. How far do these schools go when it comes to financial aid and making school affordable for the family of the student accepted

Replies to: How do people afford OOS tuition?

  • Muad_dibMuad_dib Registered User Posts: 594 Member
    Georgetown is private. And also in DC, so, technically everyone is "OOS".
  • aunt beaaunt bea Registered User Posts: 8,562 Senior Member
    edited August 2017
    In the case of UC Berkeley, it is a public university, created to educate residents of the State and is obligated to the taxpayers of California. It does not have any financial obligation nor requirement to fund non-residents. Since the state is out of money, it cannot provide scholarships/state funding to non-residents. They charge full fees to anyone who is not a resident and was not educated in the state.

    People with the ability to pay OOS rates generally are very wealthy and can afford those rates of $60K per year.
    Students, whose parents have been paying ridiculously high state taxes for years, can afford some of the rates because the State tries to make it affordable for its residents.

    This year, they had over 100K applications, so I guess attracting students, who are willing to pay those fees, from everywhere, is not a problem.
  • ChoatieMomChoatieMom Registered User Posts: 3,761 Senior Member
    Michigan is a state school committed to assisting in-state students first. Our experience with Michigan OOS is that we were expected to be full-pay. Michigan is not very generous with OOS aid, but it DOES provide some to those with demonstrated need.

    Students can borrow only up to $5,500. Parents, jobs, work/study, and merit/scholarships generally provide the rest.
  • Studious99Studious99 Registered User Posts: 810 Member
    If the parents have the money and it's the right fit for the student in question, why not? Some state schools are world class. They have amazing professors and incredible resources that can compete with most of the private universities out there. Many students want the social experience of a large school with big sports as well, which is easy to find at Michigan, UCLA, UVa, etc.
  • MON824MON824 Registered User Posts: 177 Junior Member
    edited August 2017
    You just named off 3 extremely different schools when if comes to affordability:

    Georgetown: Financial Aid galore; a lot of private schools with high endowment will give people enough money to where they can afford it. Also note that Georgetown has no in-state/out-of-state tuition difference, it's $50K all the way around. It usually looks something like this: we have assessed that your parents can only pay $10,000 per year to help you, so we are going to give you the entire cost of tuition, room, board, and supplies minus the $10,000 your parents can afford and minus the amount we expect you to come up with on your own (In my case at UR, it was around $5,500 this year ). Then, they offer a work study or loans to let you get by. Essentially, the more your parents can pay, the more they do. This promotes cultural and economic diversity, as well as ensure a likelihood of future donations due to a sense of obligation for the grand gift of a discounted great education.

    Michigan: Public school that is generous. These schools usually provide some kind of financial aid package, and the better ones (UMich included) can rival the generosity of top private schools. Some public schools (like Alabama) have in-state tuition or huge waivers for high achievers, which encourages smart applicants. Other schools have great financial aid because of their national ranking and contributions. Some applicants have well-off parents who can afford this tuition hike. Other applicants have parents who don't consider what the heck is going on and just sign themselves off to loan agencies for their childrens' exploration. Notice also that many richer private school applicants are more than happy to go to an out-of-state school for an advantage in their field of study if they were rejected from their counterparts. Also note that full-payers at privates would actually spend less going to a public school OOS, so that's an appeal.

    Berkeley: Rich or dumb parents pay for OOS at top CA public schools, IMO. The schools ARE great, so many full-payers who can't make it into their private schools (and even some that can) will go there for the combination of a California experience combined with a giant research uni experience. These are competitive and the appeal is there. They offer almost no aid for OOS. Applicants whose parents don't have the money can get huge loan options (I was curious about UCSD until they offered me/my parents a $50K loan package ... with the out of pocket price coming out to 0, if you can imagine). Also notice that these are about the same price as full-pay at privates, so some people can afford it and are willing to pay for the experience.
  • Studious99Studious99 Registered User Posts: 810 Member
    I just don't understand why parents who can afford to spend $60k per year would prefer to send their child to a lower ranked private instead of a higher ranked public. For example, I don't think it's stupid for full pay parents to opt to send their kid to UCLA over Boston College simply because UCLA is a public school.
  • Studious99Studious99 Registered User Posts: 810 Member
    @raclut Agreed. Rank is much less important than fit, location, and many other factors. However, implying that public schools are inferior for everyone purely because they are affiliated with the state is just as ridiculous as implying that lower-ranked schools are inferior to higher-ranked schools for all students.
  • raclutraclut Registered User Posts: 3,329 Senior Member
    @studious99 I wasn't implying anything.

    We are fortunate to have great state schools that many out of state students would love to attend but the admission is tougher for them and the costs are more. If a family can afford to send their kids to any school good for them. Who am I to judge their choices. Whether they decide to go public/private or high/low ranked that is their choice and honestly I am not paying their bill so it's none of my concern.

    Back to OP. How do people afford OOS tuition? Some parents are just financially much stronger and others have been saving for their kids education since they were born. For a family with financial constraints going out of state is not always affordable. State schools are under no obligation to fund out of state students.

    Georgetown is a private school so the tuition rate is the same for everyone though the cost of attendance maybe different based on a families income and assets.

  • TomSrOfBostonTomSrOfBoston Registered User Posts: 12,085 Senior Member
    @Studious99 Re: UCLA vs BC. Some students don't want freshman classes with 800 students. Some students prefer a Catholic education. Among other reasons.
  • SybyllaSybylla Registered User Posts: 1,752 Senior Member
    Some parents save money. Some parents borrow money. Plenty of parents who have money do not send their kids to expensive OOS schools though. CC doesn't reflect that well. You don't often hear back from the kid admitted to georgetown who couldn't go because the 30K package they gave him still left a COA well beyond that comfort level of his parents. CC is full of unicorns.
  • SouthernHopeSouthernHope Registered User Posts: 1,814 Senior Member
    edited August 2017
    How do people afford OOS tuition? There are tons & tons of rich people out there or people with access to money...I wish i could be less cynical but that's what it is. In my son's small circle (and we are an urban public high school family so we're not surrounded by wealth), 3 of his friends are having grandparents (or money inherited from deceased grandparents) pay for it...2 more won big merit awards (with my older kid, quite a few of her classmates managed to pull this off), and the rest are somehow cobbling it together...i honestly don't know how. In our case, my S got into Cornell...but will be attending our state university.

    (and I'll note that we did save money....but not enough to pay $280,000 over 4 years...plus, we have a 2nd child)
  • blackkitteycatblackkitteycat Registered User Posts: 271 Junior Member
    Some people are just lucky enough to get a good aid package or have family willing to pay.

    For example, in our senior year my friend and I applied to the same OOS school in the pacific northwest. His family was a lot higher income than mine is. We had similar stats. But I applied for a very popular major and he applied for one that's not popular at all. He got a ton of major specific scholarships and is currently attending that university for about 5K of his own money.

    Or like me, i'm transferring OOS next year and I have 10K in savings and I will be living off campus with that money, while working throughout school, so when applying I only looked at the tuition cost. I am able to go OOS because the tuition itself(15K) was paid for through a scholarship and stafford loan.
  • 2018dad2018dad Registered User Posts: 1,163 Senior Member
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