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strange NPC result at Univ of North Carolina CH

tigerusatigerusa 18 replies11 threads Junior Member
A funny result when I run NPC for UNC, COA ~52k for OOS, EFC 6k (parent contribution ~4k), Pell grant ~2k, NPC ~50k. No student loan or parent loan in the package. It seems to be strange result. With the same family income and household information, NPC will be less than 30k in other university meeting full financial needs.
Don't understand why NPC at UNC is ~50k but no loan offering. Any idea?
11 replies
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Replies to: strange NPC result at Univ of North Carolina CH

  • thumper1thumper1 77981 replies3490 threads Senior Member
    edited May 2019
    Are you sure the info you entered is accurate? And not just for the UNC form but also for the other colleges...

    What schools had net costs of $30,000. If it’s places like Harvard, Yale or Stanford, that’s not a big surprise.

    Do you have significant home equity? Are you self employed?

    Your kid will be entitled to the $5500 Direct Loan as a freshman unless that would bump aid over the cost of attendance.

    I’d check your entries...as someone who is eligible for partial pell money, it’s possible there is an error in your entries.
    edited May 2019
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  • thumper1thumper1 77981 replies3490 threads Senior Member
    I’m a little confused....you wrote this on another thread.
    EFC is around 20-30K US$.
    we can't afford full cost in private university or full OOS at public university. can only afford family support about 20K/year.

    If your EFC is $20,000 or even $10,000, your student would not be eligible for a Pell Grant...at all.
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  • mom2collegekidsmom2collegekids Forum Champion Financial Aid, Forum Champion Alabama 84329 replies1049 threads Forum Champion
    edited May 2019
    daughter is Canadian citizen and attended high school in New Zealand. Her last year's high school score was not so great. She has some ECs and used to be culture captain in her high school. she just finished the first year univ study in New Zealand.

    Your dd is a US and Canadian student who is completing her first year of college in New Zealand and wants to transfer to a US college.

    Please be aware that most schools don’t give great aid to transfer students.

    She never took the SAT or ACT exam? Won’t she need add’l credits to transfer w/o an exam?

    Is she applying for Fall 2019 or Fall 2020?
    edited May 2019
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  • mom2collegekidsmom2collegekids Forum Champion Financial Aid, Forum Champion Alabama 84329 replies1049 threads Forum Champion
    Why do you say that you can pay $20k per year in another thread and that your EFC is over $20k??

    <<
    UNC,
    COA ~52k for OOS,
    EFC 6k (parent contribution ~4k),
    Pell grant ~2k,
    NPC ~50k.
    No student loan or parent loan in the package.
    <<<<

    Does UNC promise to meet full need to OOS transfer students?

    As for student or parent loans....some Net Price Calculators don’t include them, but you can always ask for those.
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  • thumper1thumper1 77981 replies3490 threads Senior Member
    edited May 2019
    UNC does meet full need for transfer students.

    On one thread, this parent says the student has dual citizenship. On another says the student is a Canadian citizen.
    International students are not eligible to receive need-based financial aid and should be prepared to pay the full cost of attendance for non-resident students. If you are admitted, we’ll ask you to provide documentation that you have sufficient funds to cover the total cost of attendance for one academic year. For 2018-2019, the cost is $54,790. At UNC, we’re committed to affordability, and you’ll find that our tuition and fees are among the lowest in the U.S.

    If UNC thinks this student is an international student the above would apply. But that does not explain the “Pell Grant” that supposedly is on the NPC estimate. But then....a family with a $20,000 EFC would not be eligible for a Pell Grant...at all.

    Something is not accurate in the information here.
    edited May 2019
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  • tigerusatigerusa 18 replies11 threads Junior Member
    The forum has such strong powder to link other posts haha...
    this is another child with dual citizenship, but OOS for UNC. I tried several times and check information is correct. With or without home equity in calculation, estimated NP is the same ~50k and family contribution 4k and student contribution 2k, Pell 2k at UNC. it is strange that there is no study loan offer at all. Total package doesn't match COA.
    In another thread, I say I am willing to support 20k/ year because I plan to use home equity to support. My family income is average and must top up home loan to pay.
    As I said, I tried in other universities like UVA, Cornell, Tuffs with the same income and assets, NPC estimates a big institutional grant and usually with 5500$ student loan. Actually you only change a few univ questions without changing income and assess in collegeboard account. If finance information is wrong, it will be wrong for other univs.

    the child will go to univ next year, just try NPC in different univ and assess where to apply. Thanks.
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  • thumper1thumper1 77981 replies3490 threads Senior Member
    edited May 2019
    I am not familiar with the College Board NPC. Does that include you parent permanent address which is not in this country? If so...it’s very possible that a wrong assumption was made.

    If there is a NPC directly on the UNC-CH website, I would suggest completing that one...just for UNC, and enter the numbers yourself again. See what happens.

    Are you a business owner? Do you own real estate in addition to your primary residence? Those questions could make a difference.

    And home equity in your primary residence.

    ETA...will you have two siblings in college at the same time?

    If your child is eligible for the federally funded Direct Loan, she can get that.

    edited May 2019
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  • twogirlstwogirls 7691 replies7 threads Senior Member
    I would use the NPC for UNC.
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  • tigerusatigerusa 18 replies11 threads Junior Member
    NPC link on UNC will bring you to collegeboard calculator for UNC. https://npc.collegeboard.org/app/unc/
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  • thumper1thumper1 77981 replies3490 threads Senior Member
    @tigerusa I understand that link takes you to the college board net price calculator. I’m suggesting that you complete it AGAIN just for UNC-CH.
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  • thumper1thumper1 77981 replies3490 threads Senior Member
    edited May 2019
    Any chance you parents are U.S. citizens working and living abroad? Is it possible that for FAFSA purposes, and for some of those profile schools that your foreign income exclusion was counted (and thus made you Pell eligible, and created a lower net cost) but that UNC did not allow that foreign income exclusion...

    @tigerusa
    edited May 2019
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