Congratulations on all of your hard work and accomplishments while you’ve been in high school!
A few clarifying points:
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Are you the General Manager of the local bakery or of your own banking business making custom cakes?
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Math is considered a STEM field (Science, Technology, Engineering, and Mathematics), thus a math teacher would not qualify for your humanities LOR. For humanities think an English or social studies teacher. Reach out to your teachers this spring to write your LORs, as many will only write a certain number, and there is likely to be lots of requests come the fall.
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You definitely should look into Questbridge. I think you would be a very attractive candidate.
The question is, how would they get the money? You are eligible for about $27k in federal loans over the course of your undergrad career. The rest would have to come from your family, which would still need to qualify for the loans. I’m not as familiar with parent loans, but I’m pretty sure that the loan company is going to look at income and assets to see how likely it is that the loans can be successfully repaid. Additionally, those loans start to accrue interest from the day that they loan you the money and in 99.99% of circumstances, cannot be discharged via bankruptcy.
What can your family afford per year without taking out any loans? I would consider that the preferred budget and then consider the budget plus federal loans as the max budget (you are allowed about $5500 in loans your first year ). Then your family should run the Net Price Calculators (NPCs) at all of the schools that you’re seriously interested in to see whether the Expected Family Contribution (EFC) is something your family is willing and able to afford. If so, it stays on the list. If not, and if it does not offer merit aid, then it should be eliminated.