I don’t necessarily think LACs are a hsrder admit – it depends on the indivdual school.
that’s good to know seeing as i just sent in my css 
thank you!
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So, if you’re not like busy or anything, could you chance me for Connecticut College and Lafayette. Just what you think. I could probably dm you a coordinated version of major ecs n honors cuz I’m sure no one wantes to read the entire thing again lol. Also with respect to my EFC (high need and all that), yeah.
(I just want an overview, I know my situation is bad esp with a 1280 
)
Thank you!
Happy New Year 
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As a high need international student EVERY US college must be considered a big reach.
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There are hooked applicants at every school which skew the acceptance rates. But LACs are generally smaller and the hooked applicants (such as athletes) probably make up a larger percentage of admitted students. So it makes a bigger difference at LACs.
Yep 
taken off most big name schools off my list. Still trying to figure out how loans work and I recently met someone online and she’s in uni here and has friends that they applied together, so she gave me some of the schools they got into and that’s what I’m looking at in regards to the US now. Idk.
Thanks for the reality check tho!
Do NOT “look into loans”.
No legitimate bank would loan money to a minor. Only criminals would, as a way ensnare a young person.
Some colleges (LACs) lend directly to internationals If they admit them.
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Oh 
I understand now thank yew 
But criminals are not so…nevermind
I don’t want to sound too stupid but genuinely asking, why would it be too bad if I took a loan from a…money lender or something to complete my efc because people do it and as far as I know its not so bad
And what if my parents took out the loan? From a local bank here, thats not too bad…right?
I’m just asking, people are really straightforward on here so it would be nice if a little padding could be put on any response I get
Well I didn’t see this when I replied before but now I know 
IMO, anything over a minimal amount of loans from a very reputable institution would be a terrible idea. What woud be the basis for any reputable organization lending you or your parents enough money to fund a college education in the US? Would you want your parents to be on the hook for huge loans, jeopardizing their own financial security? How do you expect to repay these loans (you must assume you will need to return to your home country after graduation)?
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Right now, the amounts needed for college in the US are very abstract to you and you may not have needed to learn the way lending works. The key point is that loans are serious and potentially dangerous.
Skip this (below) if you already know about loans.
Loan= money you need to repay according to a bank’s schedule.
(Typically colleges would give you scholarships and institutional grants: this is “gift” money, unlike loans.)
Banks can and do refuse to loan money to anyone for whom they don’t have enough financial track record.
Banks loan money to people whom they’re sure can pay them back with a profit; that profit is called interest rate and is based on how much a risk you are and how easily/cheaply the bank can borrow money. Interest rates can be from 1 to about 7% - a good interest rate is in the 1-2% range. These rates can go as high as 15-20% which is usury and illegal in many countries.
It’s not possible to lend to a minor. By definition, they can’t be held responsible for repaying a loan. Only their parents can. Parents need collateral: typically, a steady income + assets. If parents don’t pay on time, the bank can seize their assets, including their house.
As an example, US citizens can get a total of 27k in federal loans for college (total amount for all 4 years) based on the fact they’re likely to earn at least 45-50k once they graduate. 27k borrowed become 31k with interest and the typical US college graduate will need ten years to pay that back so they’re 32 before they can be free from that.
Criminals loan money all the time, usually with exorbitant rates they know can’t be paid back. That’s why they’re dangerous.
I meant the balance like after FA if there was still money I needed to meet up with. But like I don’t know what I was thinking when I typed that I actually want to forget I said anything it sounds pretty stupid now i think i think its easy cuz I’m planning for a stage I might not even get to so its all nice and in theory
What went through my mid at the time (it sounds lowk dumb but this was what I was thinking AT THE TIME) In like second year or third year exchange rate would have inflated again like it usually does cuz our currency is ass and then it’d be easier to pay off the loans from work (on campus) and whatever stipends I get. That was what went through my head And when I returned to Nigeria, I’d work as an expat. Expats get paid way more than people with masters here, especially in private organizations and I mean 25y/o making 950k Naira simply cuz they studied abroad ( 
) (my mom has a colleague at her office, and she’s not even married) so it’d be somewhat easier for me to pay them off. That and some other stuff but those sound extra far fetched 
As i said before, I’m being fictional cuz I might not even get to the point of having to actually pay (not getting admission) and I’m just playing with silly ideas
Thank you!
I do hope things work out for you. At this point all you can do is wait for admission and financial aid decisions.
I know its cuz its relatively new to me but 10 years over 32k seems wild
Thanks for the info session!
Thank you 
Once I’m actually done applying yeah that’ll be it 
Thanks!
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So quick question, Clark University ED2 deadline is on the 15th right, and they meet all demonstrated interests for ED applicants, I don’t really have any preference to which school I ED2 to at this point. I’ve already applied to W&L ed2 but their acceptance rate is less than 17% compared to Clarks which is ~50%. I can switch my application round (as soon as W&L acknowledges I’ve applied and sent in my login in details that is ) so I can ed2 to Clark. Problem is Clark is need aware (albeit generous w internationals) and Washington isn’t. And the girl I had met online also applying is applying there too and she has a SAT score thats in their range (1400s) and mine is in Clark’s SAT range. So without regards to financial need I’m a(n) (almost) perfect candidate for Clark but FA is a huge factor in whether I get in or not so I don’t want to end up switching admission terms only to get rejected from Clark because they’d be obligated to meet all DN and if they think they can’t, they’ll just reject me.
Thoughts anyone?
Thank you!
Also is it possible that W&L can download my app but send the acknowledgement email after? Becuzon the common app it shows that they have downloaded my application but they haven’t sent me the email with my login details and stuff.
Thank you!
It takes a few days to send out the portal information. It may be a bit slower because of the holidays. Campus re-opens Monday.