<p>24 - 10 = 14</p>
<p>21 - 10 = 11</p>
<p>If there are no loans in your aid packages, you can borrow $5,500 for your freshman year in federal loans. You can’t borrow more than that without a co-signer. How much money do you have saved, and how much do you expect to earn in the summer and in the school year? My guess is that neither Clark nor Drake are affordable for you.</p>
<p>This leaves UNT as the only affordable option. Would you need to re-apply after the gap year? What is your aid package, exactly? Are those merit-based awards or is some of it need-based? Are the merit awards only available to students immediately out of high school, or would you be re-considered for those awards (if they still exist) next year?</p>