<p>wyseson: </p>
<p>you’re right. You pay by the credit IF you take less than 12 credits a semester. This can really only happen if you’re taking summer classes or if you’re a part-time student 2nd semester senior year, as that’s the only time Stern will allow that. And yes, financial aid might be affected by taking over 128 credits, but usually only if those aren’t necessary for the completion of your major/graduation. </p>
<p>I’m Class of 2007 and I’m probably going to end up with over 128 credits, and I’m pretty sure I’m going to be fine on both fronts. In fact, I’m only going over 128 credits because it worked out that I would have to take at least 6 credits spring semester, and with my scholarships, I’d actually pay less if I took 12-18 credits.</p>