<p>Hi there!!</p>
<p>So, a friend of mine got accepted into both Virginia Tech, out of state, and RIT. </p>
<p>Problem is, his parents refuse to pay for his college, and although the situation at his home is financially stable, there’s a lot of bad stuff going on with his family, and he would very much rather move out than stay in for community college.</p>
<p>My question, is this:</p>
<p>Which of these schools would be easier for him to pay for?</p>
<p>That is, which have better work- study opportunities, paid Co-Ops, and good financial aid for years to come (His dad refused to give up tax information, so he didn’t get any financial aid), and which would put him in more manageable debt come graduation?</p>
<p>I know VTech is less expensive, but would RIT get him more money for Co-Ops, or have Co-Ops that are easier to get?</p>
<p>He loves both schools, so this is based purely on financial manageability. </p>
<p>Thanks very much, every little bit of help counts :)</p>
<p>He’s not going to be able to pay for either of them, unless he’s independently wealthy.</p>
<p>Neither VT nor RIT meet full need, and if his parents have money, he wouldn’t qualify for need-based aid anyway.</p>
<p>He cannot borrow the full cost of either school unless his parents sign the loan, and would be a fool to do so even if he could.</p>
<p>Work-study is meant to pay for some living costs while in college, not pay for the entire cost - or even close to it.</p>
<p>Because the family refuses to pay anything, Your friend is limited to the maximum Stafford loan and what he can come up with from his own savings and income. Unless he has received a significant merit-based scholarship, and/or is independently wealthy, bith of thes places are unaffordable. He needs an entirely new plan.</p>
<p>The way it works for college is the same as it does for high school. Unless you get a scholarship or aid package that makes it possible, your parents have to pay. THere are usually affordable options within commuting distance. Coming right out of high school without a good credit record and strong earning history, there are no loans outside of the $5500 Staffords available without a cosigner which is really a euphemism for someone else taking out the loan.</p>
<p>I don’t understand the question.</p>
<p>How would the student make his very large payments in August? If he doesn’t have his own pile of money, how would he write those big checks?</p>
<p>No one will loan this kid anything. His parents won’t let him fill out FAFSA for a 5500 loan for a local CC or whatever. He’s really stuck.</p>