Help me choose reach finance schools that I have a decent chance at for regular decision [PA resident, 3.35 GPA, 1410 SAT, no parent contribution]

i can see the scattergram: it shows a bunch of people getting admitted right above me, but since i have a low gpa and high sat, i cant tell for sure. i see kids with a lower sat and higher sat get in, but people around my gpa all have lower sat so im not sure

nothing, i have to borrow because my parents arent paying, but i plan on applying to multiple scholarships throughout the school year

the problem is that for penn state, i def think i can get into main campus because my counselor told me it was a target, but idk about smeal because it has a different acceptance rate (penn state is like 50% and smeal is roughly 20%). thats why im unsure of getting into penn and fordham even though they seem like targets

So it looks like your net price needs to be under $8-10k, or $5.5k federal direct loan plus some part-time work earnings. Loans greater than that require a cosigner.

4 Likes

You might need to start at community college, and plan to transfer to an in-state public university after two years.

One friend of a daughter did that, and did quite well with a business-related major. She did have a higher high school GPA, but I am not sure how much that matters if you are planning to transfer after two years of community college. She did get good merit aid after transferring to the in-state university, which kept her total debt quite low, but this did require that she had done very well in community college. Also it was a different state.

4 Likes

Please clarify this. Are you saying you hope to fund college on your own? Applying for scholarships during the school year is not a good plan.

The best scholarships are ones that are awarded by colleges that accept you. You need to find colleges where your need based and/or merit aid will fund your costs.

3 Likes

i dont think ill qualify for need base because income is low (under $100k), but my assets are over $600k so im basically messed up for everything

Ok so if you don’t think you will qualify for aid you don’t need any more reaches. You are going need to focus on affordability.

3 Likes

OP, as Mike Tyson said, “everyone has a plan until they get punched in the face”.

Most local scholarships are for $500 and $1000, and are NOT renewable (meaning you get the money for Freshman year, and nothing after that).

You need a four year financing plan, not a “I can kinda/sorta make it for Freshman year and who knows after that”.

Where can you commute to? That’s the way most kids with a restricted budget make the most of their tuition dollars- by not paying for room and board


3 Likes

I think you need to focus on finding affordabe (run net price calculators) match/safety schools. You cannot borrow $50k on your own so that is not a viable option. Note that some colleges will reduce financial aid by the amount of outside scholarships.

Starting at a CC is a good back-up plan.

2 Likes

For Penn state, you definitely, absolutely need to apply DUS, which is their undecided. Don’t apply business!!! DUS has the same pathway to Smeal as “pre-business” but slightly easier to get into-although still hard. You may have to do 2+2 to get to Smeal. You also need to look at Temple and apply as a safety.

This topic was automatically closed 180 days after the last reply. If you’d like to reply, please flag the thread for moderator attention.