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How to Pay for College?

computergeek1239computergeek1239 4 replies1 threads New Member
edited September 2019 in Financial Aid & Scholarships
I’m a HS senior.

Assuming I went to my State School , After All automatic merit scholarships+ need based aid, there’s still a net price of 15k. This is data from the Net Price Calculator so this should be a fairly accurate estimate. I have fairly high stats so may potentially win additional merit scholarships, but am trying to asses the worst case scenario. As I understand, the federal loan limit is 5500. My parents have communicated that they will not pay anything or co-sign any loans, and will kick me out next year. How would I secure additional loans? Is it possible to get ~10k in loans without a parent?

CC isn’t really an option for me. I already have 3+ years worth of college credit completed , and the local one doesn’t have any math classes higher than the ones I’m currently taking. It would be a waste of money and time
edited September 2019
51 replies
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Replies to: How to Pay for College?

  • Erin's DadErin's Dad 34150 replies4934 threads Super Moderator
    You won't be able to get additional loans. What is your state school? What are your stats? People can recommend some other alternatives. If you got full tuition merit you might be able to pay for your room and board with the student loan and a good summer job.
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  • cptofthehousecptofthehouse 30506 replies59 threads Senior Member
    To get any financial aid, including that $5500 loan, you will need your parents’ cooperation as they have to release their financial info On FAFSA and other fin aid forms.
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  • SybyllaSybylla 5110 replies61 threads Senior Member
    Why will your parents kick you out?
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  • cptofthehousecptofthehouse 30506 replies59 threads Senior Member
    If your parents kick you out and you have to couch surf, you can try to apply as an independent and get $9500 on loans and be possibly eligible for Pell grant money up to $6195

    College is not the go to place when you have nowhere to go. It would not be easy to make it through yourself. Our system assumes parents will take care of college. Otherwise it’s a long arduous gauntlet
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  • computergeek1239computergeek1239 4 replies1 threads New Member
    edited September 2019
    @Erin's Dad 35 ACT 4.0 UW GPA good EC's (Research etc. )
    edited September 2019
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  • computergeek1239computergeek1239 4 replies1 threads New Member
    edited September 2019
    @Sybylla I come from a very religious west African Family and I accidentally let it slip that I was atheist. My Dad's exact words were "Since you don't believe that god can help you, I can't help you either"
    edited September 2019
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  • bjscheelbjscheel 742 replies5 threads Member
    Could living off campus be cheaper than room & board at the school? In some areas it is, but also some schools make freshmen live on campus. But if you could get an apartment, then you would have somewhere to stay over summers. Groceries can be a lot cheaper than a meal plan. And rent would be due monthly, not up front, so maybe could be earned with a job as you go.

    Can you work this school year and next summer?
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  • cinnamon1212cinnamon1212 1218 replies11 threads Senior Member
    I am sorry for your situation OP.

    Forgive me, obviously I know absolutely nothing about you and your situation, but could you not "believe" for the next 4 years?

    Guessing it's more complicated than that, and again, I am sorry.
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  • ucbalumnusucbalumnus 83911 replies744 threads Senior Member
    @Erin's Dad 35 ACT 4.0 UW GPA good EC's (Research etc. )

    Well, there is a full ride here:

    https://www.pvamu.edu/faid/types-of-aid/scholarships/university-scholarships/

    There was one here -- you may want to check back to see if it reappears:

    https://www.tuskegee.edu/programs-courses/scholarships/freshman-scholarships
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  • SybyllaSybylla 5110 replies61 threads Senior Member
    edited September 2019
    I suggest you make peace with your parents, frankly what you believe or not is purely inside your head. Did you disrespect your parents in any irreversible way? Your obvious academic success is going to be in no small way due to the opportunities your parents have provided. Are you from a wealthy family? Private school?
    edited September 2019
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  • computergeek1239computergeek1239 4 replies1 threads New Member
    No we aren't wealthy, I go to public school nor did I really disrespect them. Before they found out I was atheist they weren't going to pay for college anyways, its the kicking me out that's new.
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  • vonlostvonlost 19289 replies15863 threads Super Moderator
    If your parents kick you out and offer no support, have a look at Dependency Override:

    http://cca-ct.org/financial aid 2008.pdf
    http://www.finaid.org/educators/pj/dependencyoverrides.phtml

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  • Techno13Techno13 340 replies13 threads Member
    There are many students in similar positions and it sucks that our system doesn't really provide alternatives to parent-funded education. With your stats you might consider looking at schools that provide full ride merit scholarships. Or at least full tuition. I suggest you get a job that pays reasonably well. I worked 30-40 hours/week through college. It's not ideal but it is possible.
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  • txstellatxstella 1124 replies7 threads Senior Member
    Are you a likely National Merit Finalist? Are you an American Citizen?

    You need to find close to or a complete full ride. I'm sorry you are going through this with your family, but I'd try to make peace.
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  • BelknapPointBelknapPoint 4985 replies19 threads Senior Member
    There are many students in similar positions and it sucks that our system doesn't really provide alternatives to parent-funded education...

    ...when parents legitimately can't afford to help. However, there actually are alternatives for many (but not all) students in situations like this. Not every student's first choice (or second, or third), but alternatives nonetheless.
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  • SybyllaSybylla 5110 replies61 threads Senior Member
    What is your state? What applications are complete?
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  • mom2collegekidsmom2collegekids Forum Champion Financial Aid, Forum Champion Alabama 84339 replies1048 threads Forum Champion
    edited September 2019
    Are you going to be a CS major or what?

    How did you do on the PSAT as a junior? Are you a likely NMSF?

    Are you a citizen or green card holder?

    What is your home state?

    With your stats, we should be able to find you a free ride somewhere.

    Are you retesting? With a 36 ACT, you could get a huge award from UAH.
    edited September 2019
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  • ucbalumnusucbalumnus 83911 replies744 threads Senior Member
    Are you retesting? With a 36 ACT, you could get a huge award from UAH.

    Looks like tuition with the OP's current stats, tuition plus one year of housing with 36 ACT:
    https://www.uah.edu/admissions/undergraduate/financial-aid/scholarships/freshmen/freshmen-non-al-merit-tuition-scholarships

    UAH's neighbor school AAMU offers a full ride for the OP's current stats:
    https://www.aamu.edu/admissions-aid/financial-aid/scholarships/_documents/academic-scholarship-brochure-2018-2019.pdf
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  • computergeek1239computergeek1239 4 replies1 threads New Member
    @mom2collegekids
    Yes I am applying as a CS major

    I missed the PSAT cutoff by 1 point junior year so no, I can't be a NMF.

    I am a US Citizen

    My home state is Ohio


    I will be taking the SAT in October, but don't think I'll be able to score perfect. I'll try my best.
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  • cptofthehousecptofthehouse 30506 replies59 threads Senior Member
    edited September 2019
    You have high enough test scores and grades to be considered for full scholarships and rides at some schools. Start looking into those awards. There are very few full rides out there But look into them. Start googling full ride scholarships, and least expensive colleges. If you get the price down to cover most of the costs, you might be able to swing it yourself.

    The thing is, to get any financial aid, for which you might be eligible, including the automatic $5500 Direct Loan, you need to fill out FAFSA and your parents need to fill out a portion asking about their finances or you aren't going to get a dime of aid from anywhere. Only possible merit money. If you are living with your parents right now, you cannot apply as independent--only when you are truly homeless and that's a tough path to navigate, both in actuality and in getting schools to recognize that status.

    Because you are in an urgent and uncertain status, I'd focus on schools with the most likely money, not the pie in the sky name school scholarships. If you want to shoot for those awards which have a miniscule chance, do it after you nail the more certain prospects. You want the schools that are unheralded, that noone knows, where you have the best chance of getting big money.. Also talk to your GC as to what is available locally. In my area, there is a local college that does give a lot of full tuition awards to students with great stats. But you have to commute. It's extremely difficult to get a school to pay for your living expenses, like close to impossible except for the very few big scholarships, and some schools that have programs trying to bring in out of area talent. The latter are dwindling rapidly.
    edited September 2019
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