Help – with the search of safeties… and the top heavy list of a stubborn daughter and her increasing

I think she’s good until 12/15. It was earlier when my D applied back in 2011, but it was moved back a bit at some point. If she hasn’t applied already, make her apply now (or do it for her). The application doesn’t take much time - no essays or recommendations required.

If she wants to apply for some of the highly selective honors programs (Computer Based Honors Program and University Fellows), she will need to fill out an additional application and write essays. It’s worth the extra effort if either of those programs are of interest to her.

Dyson is a separate school within Cornell U. The application is a separate one from Arts & Sciences, Engineering, Ag School, ILR, Hotel, etc.

Tuck is MBA only. While they offer undergrad courses, undergrads can’t enroll as business majors at Dartmouth. Only for MBA and up.

Baruch College within the CUNY system offers respectable undergrad and grad programs in business.

Even 2 decades ago when the CUNY schools were viewed as “schools of last resort” because they were widely perceived as having low admissions/academic standards focused on remedial students, many HS classmates who were admitted to NYU-Stern without sufficient FA had no issues dropping NYU for Baruch. Especially considering many ended up getting their MBAs from NYU-Stern, Columbia, HBS, and Wharton.

And Baruch’s admission/academic standards and reputation has only improved since the '90s.

@beth’s mom. Yes the dead line is 15th of Dec indeed. Additionally she has already applied before Dec 1st. That part of the process is fine… at least that part.
I have not pushed her to do the “Computer Based Honors Program” and/or “University Fellows”, although I did mention them more than once. Was happy with her finishing the general app and scholarship app before Dec 1st. Also, 3-5 days after the Duke’s “rejection” will be a perfect time for that process, I think…
For today helping with the snow and checking the temperature at Tuscaloosa ware good enough steps. :slight_smile:

Have her get this stuff ready to go before the Duke decision comes out. If she is denied admission, it’s not going to be easy to pick up the pieces quickly and get a bunch of applications ready to submit

And… officially admitted to" U of Alabama"

It is normal the scholarship letter (email) to come a bit later, right? I think I have read something to that extend here and/or on the U’s site.

Someone above asked me for specific ideas on accounting programs and I took a quick stab at it. I didn’t have any prior knowledge really, and just looked a few up. Thanks for the corrections on Tuck. Any other info I posted can be viewed provisionally- that’s why I suggested looking them up…

Turns out not all that relevant anyway : )

Yes, that’s normal. I think it took at least 3 weeks before my daughter received hers. Don’t worry about it - if she has the stats, she’ll get the scholarship. One thing to let her know, since she’s taken so many AP classes, is that Alabama is very generous with AP/IB/CLEP credit. Coming in with those credits could enable her to double major, have one or more minors and/or take graduate courses. That is not, of course, a reason to choose a school, but if she visits and likes it, it’s something to be aware of.

<<<
OK my price limit is…

45K savings + 15 contributions from Grand parent + 25K (sale of 2nd property ~30K, after commissions, taxes etc 25K) = 85K

85 K / 4 = 21,250/y… add a little cushion and the final number is:

$17,875/y…

All that with no new loans (parent or student).


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Wiping out everything is not a good idea.

What sort of job do you have? Are you self-employed?

@Percent99 …I have not had time to read through the 10 pages of responses to your question. Maybe somebody else has already raised this point. If I read your original post correctly, your Daughter applied ED to Duke. She will get that acceptance (or denial or deferral) on or around December 10th. If she is accepted ED she is obligated to withdraw all other applications. She has committed to attending Duke if she is accepted. You and your daughter signed a document with her Guidance Councilor indicating that you understood the ED process/commitment. You also should have carefully looked at the NPC to determine if you could afford Duke. Just my 2 cents.

@MAsecondtimer

Imagree about the ED commitment. BUT the one reason a student can decline an ED acceptance is insufficient financial aid.

And that would be that.

Yes, that is the one legit reason to decline the ED offer. If the student is appealing their aid offer, they can usually get a short extension on confirming their ED attendance. Students should NOT withdraw other applications (or miss other app deadlines) until they are sure their FA packages works.

@MAsecondtimer


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If she is accepted ED she is obligated to withdraw all other applications. She has committed to attending Duke if she is accepted. <<<

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No she isn’t. If aid isn’t enough, they can decline.

do you really think that someone who can’t afford a school could somehow be forced to attend? Lol…the first bill comes and they can’t pay…and then what???

OP, is your daughter Hispanic? If so, that is the only thing that could give her a leg up in the US regarding admissions, although the most sought after groups are Mexican and Puerto Rican males. Somebody asked if she was a National Merit Scholar, there are some colleges like USC that give scholarships to National Hispanic Scholars. The University of Edinburgh is very unlikely to give your daughter home fee status. The rules and Guidance relating to fees status make residency a more compelling criterion than citizenship for Home fees. In other words, you need to meet the 3 year residency requirement or else you are out of luck.

The way I see it this family has $15,000 from the grandparents to spend on school. Wiping out savings is a poor choice. I don’t know if this is $15,000 a year or $15,000 total. Let’s pretend it is total. This means that the first year the OP has just under $4000 + the Stafford loan of $5500 plus maybe $2000 if the daughter works. The family can contribute about $11,500 towards her first year of college with a little more years 2-4 as the loan amounts increase.

The way I see it- your daughter can attend Duke only if they meet your price of $11,500 or come very close.

Getting hit with bills of $20,000++ per semester and no idea where the money is coming from is not fun, putting it mildly. Your daughter has been given a gift by making the scholarship deadline at UA- now it’s time to make wise choices.

Actually, if the merit money at Alabama is guaranteed on the basis of stats, then the daughter has her safety. If she gets accepted at Duke the choice may be very clear. Duke is probably worth the daughter taking on a normal student debt load and the family doing some belt-tightening and digging – though I agree that there is no way that the family should spend its savings. But I chose to take on a modest amount of debt to pay for my DD to attend a more prestigious and somewhat costlier college than our more affordable in-state U. “Modest” means an amount that for which regular monthly payments can be made without undue stress.

If the daughter is rejected or deferred from Duke, then the decisions can be put off until spring. If the father makes the financial limitations clear, then the DD can dream or she can be practical. But that Alabama admission +scholarship is going to be her fallback --the place she will end up if there aren’t other affordable options. So if she feels that she doesn’t want to end up there, it is in her interest to apply to other colleges where her high test scores will guarantee substantial merit money.

But as far as the OP is concerned… his goal of finding a safety for the daughter appears to have been met. As others have pointed out, a student can only attend one college at a time. If there are no other financial safeties that would be more attractive than Alabama, then it really doesn’t matter - all that matters is that the daughter now understand that her parents’ financial limits will be a constraint on her choices

The assured for high enough stats merit is for up to the amount of tuition (plus up to $2,500 for engineering majors); that may still leave a remaining price (room and board, travel, books, misc.) that would be a stretch if the available amount is $11,500 per year as described in reply #153.

A school is only a safety if the kid is willing to attend. OP said his daughter doesn’t want to touch Alabama with a 50 foot pole, so unless this girl opens her mind, I wouldn’t think it would be a viable safety.

As for the remaining expenses after the full tuition scholarship, Alabama puts its highest costs into the COA. If a student picks a traditional dorm ($5700 vs. $8850 for the pricier suites included in COA), doesn’t use dining dollars, is frugal with personal and travel expenses and searches for the best deals on books, the cost should be within the family’s budget, and after freshman year, when the big meal plan is no longer required, they’ll go down. But it’s all moot if the girl doesn’t want to go there. Not every school is a good fit for a particular student.

If Duke does not come up with an affordable FA package- which seems to be a total cost of $11,000-12,000 per year ( $4000 - slightly under- per year from grandparents, $5500 Stafford loan, $2000 summer job) and the daughter refuses to attend UA, then she should take a gap year and develop a new list.

Have you been able to convince our daughter to look at any of the schools listed in the thread? What did she say?

Alabama or not, Duke or not … I would just tell her that you are going to contribute X dollars per year (and please, do not wipe out your savings as you might just have an emergency later). Then, let her figure out the rest. Do the FA offers include work-study? She might not be thrilled with the idea of an on-campus job.