Deciding between Grinnell College [no student loan/work] or Carleton College [$9k student loan/work] for math/physics/econ

Hello,

After reviewing my financial aid offer with my parents, it looks like I am deciding between paying effectively nothing at Grinnell College or personally taking on $9,000 of loans per year at Carleton. This is after financial aid, scholarships, parent contributions, and work study.

I am currently most interested in mathematics, though could also see myself loving either physics or economics. I would plan on engaging in research at whichever school, as well as study abroad if it remains affordable in the coming years.

Like many admitted to these schools, I aspire to go to graduate school, but understand that it is impossible to know at this point.

I am a domestic student who lives within a few hours driving distance of both campuses, so travel is not a major concern for me.

I enjoy smaller class sizes and close relationships with professors, as well as the isolated feel of each college. I am wary of substances and parties but also realize that I will most likely run into that kind of thing in my post-college life at some point. I would like to keep playing the trombone, wherever I am at, through at least one campus band/orchestra and lessons.

Either way, I am excited to work with people from all over the US and world, improve my writing skills, and have a great time around hardworking students!

I have done reading about each college and have toured both. Any last minute advice would be much appreciated as I look to make a final decision on where I will be living next year :slightly_smiling_face: .

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$9k would be $5.5k direct loan plus $3.5k work earnings, since the direct loans without a cosigner are limited to $5.5k first year. However, if you are already assuming student work, that may require more work time than desired.

For the schools’ academics, you may want to check what upper level courses are offered and how often at each school.

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Yeah, you can’t take $9K.

Grinnell just makes so much more sense here. Loans have interest and fees (you don’t net as much as you borrow).

Carleton has more terms than Grinnell - so less classes at a time but quicker pace - does that matter to you?

In this case, Grinnell is a no brainer (to me).

Good luck.

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Thank you both. I’ve looked at course offerings and it seems that Carleton has many more higher level offerings. One of my biggest concerns about Grinnell is that, having read opinions that Carleton is more STEM-y, I would not be attending the right school for my current interests. Are the differences in program strength minimal for the cost difference I’m facing?

No worries if this is too hard to tell or not the right way to look at this. Thank you again for any thoughts.

I can’t imagine you will run out of classes at either college in any of your interests - unless you’re a super phenom. But if you have concerns, make an appointment with the department head and discuss.

These are both world leading institutions.

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Yours appears to be a pretty common dilemma. If you search “Carleton Grinnell” you’ll find students every year with this question, including another potential math major this year. Perhaps some of their questions and the responses will help you decide, though the lack of debt at Grinnell should be a large factor if everything else is equal You may be able to message the other 2029 student and discuss their thought process if they have already made a decision.

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Congratulations on gaining admissions to 2 of the very best LACs in the country. Both are superb. Grinnell happens to be my personal favorite of this type of school.

What are the differences?

  1. Carleton is bigger (2100) vs Grinnell (1700). That means about 100 more students in each class coming into school, or 525 per class at Carleton vs 425 at Grinnell.

  2. Both have robust study abroad programs with 50% of Grinnell students and 70% of Carleton students having spent some time off campus by the time they graduate.

  3. Carleton is more STEMy. Here’s the breakdown by percent of degrees awarded to each graduating class last year in STEM disciplines:

    Grinnell - Carleton
    CS —- 12.5 - 16.0
    Bio —- 14.1 - 8.6
    Math — 5.3 - 10.0
    Phys — 7.4 - 11.7
    Total - 39.3 - 46.3

A couple of things stand out on this list:

  1. Carleton graduates more students in STEM fields.
  2. Math at Carleton is double the percent at Grinnell.
  3. Life Sciences (Bio) is the highest number of degrees at Grinnell, leaving 25.2% of the degrees in Math, CS, and Physical Sciences. At Carleton 37.3% of the degrees were awarded in Math, CS, and Physical Sciences, or about 50% more than Grinnell.

Because Carleton has an overall larger enrollment, the raw numbers at Carleton are larger still. So, Carleton’s 10% in Math = 52 Math majors graduating vs Grinnell’s 5.3% in Math degrees = 22 Math majors graduating. One caution is that these numbers represent one graduating class and may not be representative of other years. I suggest that you place a call to each school to verify that these are consistent with the trends or not.

Like you, I checked each school’s Math Dept. And like you, I found that the Math Dept at Carleton offers more courses. It is a larger department with more faculty.

I know that this makes the decision harder. Is the greater emphasis on STEM at Carleton worth $36,000 (4 x $9000 per year). It wouldn’t be to me. As @tsbna44 said, you’re not going to run out of courses to take at either school

But if the difference is significant enough to you, you can appeal your financial award at Carleton to their Financial Aid office. Time is running out, so you’d have to act first thing Monday morning. You can tell them that you have 100% of cost covered at a peer school but would prefer Carleton if the cost were equal. Such appeals are sometimes successful and are not unreasonable. You will not be unique in asking for your circumstances to be reviewed.

A second alternative at Grinnell is to take advantage of the fact that their approach is highly individualized. Their advising system is superb - one of the best you’ll find anywhere. In planning your program as you proceed through your 4 years, which is done individually there, you can focus on your interest in taking advanced courses. 50% of Grinnell students spend some time off campus during their 4 years - which does not necessarily mean abroad. It can mean at another college domestically. So, you can build in a semester or two as an upperclassman at another college if you find that Grinnell does not offer the course(s) that you need to accomplish your goals. This kind of flexibility is one of Grinnell’s strengths.

You can discuss your choices with the Admissions Office of either college. This is a tough choice and that’s what they’re there for. If you do consult with them, ask to speak with a senior admissions officer.

Again, congratulations on your achievements and for having obtained 2 superb choices. You can’t go wrong with either one.

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That might depend on how advanced the OP is in math at the time of high school graduation.

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Is money the most important factor in your choice? (It is for many students)

If there’s room in the decision after the money situation…When you visited each school, did you like one more than other? Feel you saw more students that would be your people at one of them?

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One of my issues is not having a great feel for how much money/debt really is. I’ve been told both that you should try to minimize debt and that debt can be a worthwhile investment.

I guess that’s being 18?

As for the students, I think I felt pretty comfortable with each population. The energy I got from Carleton’s trimester was closer to what I want, but I liked Grinnell’s greater diversity.

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Seconding the suggestion to ask Carleton if they can match your financial aid offer from Grinnell. Even if they don’t get to parity, they might improve your package enough that the guaranteed loans would fill the gap. It sounds as if you would choose Carleton if costs were equal, so it doesn’t hurt to ask. Obviously there’s not much time, but they might extend the deadline for you if they need more time to reconsider; in that case, you’d have to deposit at Grinnell, but you could consider switching depending on Carleton’s response.

I’m not sure the difference between these two is worth the stress and debt - “more opportunities” can be moot if you’re spending the time working instead of pursuing said opportunities, and as others have said, both schools offer more than enough opportunities and coursework to keep you busy for 4 years. (Only exception might be if you’re super-advanced in math and genuinely project running out of advanced math classes at one school, but not the other.) Possibly worth noting also that Carleton has cross-registration with St. Olaf, which also has a great reputation for math - I wouldn’t guess that their coursework goes beyond Carleton’s in terms of the most advanced classes, but it might add breadth - could be worth checking.

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So I loved Carleton both times I visited with my S24, and yet I would say it probably is not a good idea to run up a lot of extra debt in this case. If you and your family could cash flow the difference or pay it out of college savings, that would be a different matter. But it sounds like most if not all of this difference would end up debt of some form for you and your family.

And also maybe it would be different for me if you were talking about getting as far as you could in pure math, although maybe Carleton would not be ideal for that either. But I think if you are interested both in math AND its applications to things like Physics or Economics, then you should have no problem finding plenty to do at Grinnell. And then if you like, you can consider grad school for more depth in whatever is most appealing to you by that point.

Speaking of which, this study of top PhD feeders suggested Carleton and Grinnell were quite comparable per capita for Math and Statistics:

In fact if you used the typical number of math majors to norm this, rather than students generally, Grinnell might well come out ahead.

Of course most people won’t be going for Math PhDs from either place. But my point is I see no indication here that Grinnell is less capable of supporting such paths.

So again, to me I have a hard time seeing a strong case for a lot of extra debt.

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Grinnell’s advanced math offerings are not particularly extensive: Course Search - Grinnell College - Modern Campus Catalog™

Carleton’s advanced math offerings are more extensive: https://www.carleton.edu/math/courses/

Course Grinnell Carleton
Real analysis 316, 317 321, 331
Abstract algebra 321, 322 342, 352
Advanced linear algebra 332
Numerical analysis 313
Combinatorial theory 333
Partial differential equations 341
Differential geometry 344
Methods of teaching mathematics 349
Topology 354
Complex analysis 361
Analytic number theory 395
Mathematical modeling 306
Advanced topics in applied math 314
Statistics and data science 330, 335, 336 310, 320, 330, 340

Congratulations on your acceptances! These are two of the very top institutions anywhere for undergraduate study generally and for your fields of interest specifically.

I hesitated to write all this, because perhaps you need to focus on the many positives of Grinnell given your particular financial situation. That’s really hard for me to judge confidently, so I thought I should just focus on what I happen to know of the schools, which of course isn’t the full picture even where just the schools are concerned!

I know a student with similar interests that had to pick between the two. I thought it might be useful to summarize what they concluded. I’ll try to add a few perspectives on other considerations you brought up.

First though I need to say that while the other student ultimately chose Carleton there were two key differences between their situation and yours. First and more importantly, while Grinnell would’ve been less expensive for them, their parents were the ones who would’ve absorbed the difference. It is indeed important to graduate with as little debt as possible. How much weight to put on that difference is a personal call that takes into account many things including just how much more you may feel drawn to Carleton, which I understand to be the case. It’s good advice to reach out Monday to Carleton to explain the situation. I think you should emphasize that you are the one who personally would be taking on the debt. The second difference with the student I know was not nearly as significant, but their home city on the coast did not have regular direct flights to Des Moines. (More connections can mean more lost luggage!) But thankfully that’s not an issue in your case.

So in the other student’s case the initial differences they gleaned were things you probably already know. Things like Carleton having a nearly 10x larger campus better suited for getting immersed in nature (eg, their arboretum), a ~15% large student body, a 2x larger town, a 20 min shorter drive to a 5x larger metro area, another college 2 miles away, etc. These things may not matter to you, but I mention them because they were noteworthy to the other student.

When that student dug into the curriculums, they noticed, like you, that Carleton had more courses that seemed extra exciting. It’s of course true you will not run out of courses at Grinnell, or anywhere for that matter! But it’s nice to have more classes that stand out as especially interesting. You may not get to take all of them for one reason or another, but you will probably take more classes in specific topics you find appealing at the college offering more to begin with. For math/stats and also for physics, Carleton has nearly double the course descriptions. Some of that is due to Carleton being 15% larger, and some is the simple result of Carleton being on a trimester system where students end up taking ~36 courses vs Grinnell’s ~32. You will get to spend more time on a particular class at Grinnell by virtue of the semester calendar. But you will get to pick specific classes of interest more easily and frequently at Carleton. You will also get to focus more on fewer classes at any one time (usually 3), which may not be a bonus in everyone’s eyes but it was for the other student. To be fair, the Econ course listings at the two colleges is about the same.

Digging deeper, the other student noticed Grinnell advertises an “open curriculum.” While they weren’t really against distribution requirements, they did like the idea of being able to focus heavily on areas of interest. This was a very STEMy student who liked the focus on STEM at an individual student’s program of study at a place like Caltech or MIT but also liked the idea of more non-STEM students on campus and the idea of an entirely undergraduate-focused faculty.

Digging still deeper, they learned to their surprise that it would actually be possible to take more STEM classes at Carleton than at Grinnell, not just that there were more to pick from. While Grinnell doesn’t have distribution requirements, they do have limits on the number of courses that can be taken within a major (about 38% of total) and within a division (about 72% of total.) At Grinnell, the departments of Math/Statistics, Computer Science, and all of the natural sciences are in the “Science” division. (Econ is in their “Social Studies” division.) The student concluded if they wanted to take closer to the ~80% courses load they would at a STEM-focused school but in an LAC setting, Carleton was the better fit. Note at Carleton, outside of CS (where there’s a saturation effect), nearly all those STEM courses could in theory be from one dept. The difference between ~80% and ~72% is not significant for most, but the difference between ~80% and 38% can be. I say “nearly” cause there is a requirement to take at least one science class, and the science majors require at least one math class.

As a side-note, the above depends a bit on how carefully one selects their distribution requirements at Carleton. There are a significant number, but it is possible to satisfy multiple requirements simultaneously. It also depends on the degree to which a student has already satisfied the foreign language requirement before entry. It is possible to satisfy the language requirement entirely by getting an AP foreign language score of 4 or 5; it’s also possible to take a placement exam to place further into a language sequence based on high school work.

Grinnell is not unique in limiting courses by department by the way; in my experience it’s an oft-overlooked factor, especially in the context of the “open curriculum” schools (though not for all of them.)

The deep dive into curriculum research revealed another interesting thing specific to physics, which I understand you are considering. Among the general purpose LACs, Carleton has a very high percentage of physics majors (and also a very high percentage of majors in the physical sciences, which includes Chemistry and Geology.) It’s fairly well known to those familiar with undergraduate physics programs that a significant number of first years start off interested in physics but then change to something else. High schoolers hear about how the field has relevance to so many others and how profound the problems are, but then in college often find themselves working very hard on what can feel like very dry problems before they get to the “fun” stuff.

Grinnell is a bit typical in its required first course being introductory classical mechanics and the second introductory electromagnetism. Those are critical topics, but it isn’t until their third course, after a full year of difficult sequential study, that students see things like relativity and quantum physics. Carleton is very unusual in presenting those who took some physics and calculus in high school its introduction to mechanics in the context of astrophysical systems in the very first required course, which I think is a terrific example of the clever and effective pedagogy they are so known for. Astrophysical systems are just less dry than, say, weights and pulleys, and provide an opportunity to study relativity right off the bat. Their typical physics major then sees an introduction to quantum physics in the very next course in the sequence the following fall. Calendar wise, it may not seem like a big difference, but I think the first two courses being so interesting helps drive excitement for the field and a higher degree of students continuing on to declare it as their major.

Incidentally, some Carleton departments such as Physics and Math have 1 unit (vs the normal 6) seminars specifically designed to give first and second year students a survey of their fields so students can make better informed decisions regarding course selections, majors, or who to approach regarding research. (The physics version also goes into career opportunities.) These are Pass/Fail courses that typically require little work beyond attendance but help a student get a better feel for what a given field is really about. See Math 106 and Physics 123 descriptions if interested. I didn’t see equivalent 1 unit courses on the Grinnell site.

Another aspect the aforementioned student considered a Carleton bonus was the long winter break. The 6 weeks off is unusual and provides another opportunity for internship experiences, which the college helps match students to. A student won’t master anything in the 1-3 week time, but it can be useful in figuring out what they want to learn more about.

I think you would have no problem finding trombone opportunities at either school. Carleton has a cross-registration program with St. Olaf, which has a particularly famous music program. It’s not super common to cross-register because the calendars don’t align perfectly, but that might be less of an issue for you if you are driving distance and the class only meets a few times over break. Carleton students who are cross-registered at St Olaf are also eligible for staying on campus over break.

I noticed you mentioned Grinnell having more diversity. I think that can be measured in more than one way; certainly Grinnell has more international students, which could be important to you. By some measures Carleton has more diversity, fwiw.

I truly believe you would be happy at either of these fantastic schools. Congratulations once more! I hope financial constraints don’t dictate your decision, but either way rest assured you will get an amazing education!

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I know some people who have borrowed to buy a home. I’d place education at least on this level.

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Ask quickly. Isn’t May 1 the date most colleges expect a matriculation decision?

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However, renting the money to buy a home is a substitution for the cost of renting a home. This would only apply to education if all options required significant debt.

I agree. It’s an investment. Investments need to be managed and chosen wisely.

Thank you to everyone that has submitted thoughts. All of this information has been extraordinarily helpful.

I sent an appeal email on Friday morning.

As an investment, would you expect $9k to be over-paying for Carleton and math? Or is it primarily weaker through the comparison with Grinnell?

Are the differences between Carleton and Grinnell’s STEM/academics minimal or more significant?

I think that I am 90% ready to say that Grinnell is the right place for me! There is still a small part of me that is holding on to Carleton’s STEM program, environment, and just a little bit of its LAC and Undergraduate Teaching rankings (as much as I’ve tried to ignore those).

Your comments have been very reassuring in that both schools will provide great opportunities for my future. Thank you!!

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If you would like to view survey-based information on the academic experience at Grinnell, this Princeton Review site on colleges with the best classroom experience, in which Grinnell places highly, may be of interest:

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