<p>Wrights- so happy S is better. I thought of you often and wondered how your family was doing. </p>
<p>In regards to NMSF and financial need, not sure what your acquaintance was addressing. It is true that financial need has zero to do with achieving NMSF/NMF status, but depending on where you enroll and your financial need, it may affect how much your family benefits from any money you receive for the NMF status. If your EFC is very high, above the COA of institution, then any scholarship money is great because it reduces costs directly, even if it’s only $2,000/yr. If you enroll at one of the big money NMF schools, and if you are at least middle class, so that EFC is above the rm/bd costs, then any scholarship that is at least full tuition/fees benefits you because it is greater than financial aid you might have received from the school (if any), and replaces that with something larger.</p>
<p>But suppose you enroll at a place that has one of these smaller scholarships like Vandy ($5K/yr) or WUSTL($2K/yr) and your EFC is below COA and you get financial aid from them. Then later when they go to incorporate their NMF scholarship (or the NMSC or corporate scholarship if you happen to get that), they reduce your FA package. Typically they will reduce loans and work-study first, which is good, but if there are no loans in package, then they end up reducing grants once they get past work-study. I guess also some people might want to keep those loans in any case to help pay, so might not think reducing loans is good. But it’s better than reducing grants anyhoo.</p>
<p>That happened to us last year at Vandy. They gave all grants/work-study and no loans. Then NMF scholarship eliminated work-study and reduced grant. However, they did allow us to ‘keep’ small part of NMF scholarship, did not reduce grant as much as expected . I gather that is not quite regular, don’t understand. </p>
<p>Anyway, perhaps that is what your friend was referring to.</p>
<p>OOS state schools in general will not give you any need-based aid, though I understand there are exceptions. UNC-Chapel Hill is supposed to be one, but all they gave us was loans, which don’t count in my book. As far as merit, most state schools reserve the bulk of their scholarships for IS and give very little except to a few extraordinary or hooked OOS applicants. Your UM-Ann Arbor is a prime example of this. A few state schools that are trying to build their reputations by attracting high stat OOS kids may have special scholarships for them. The NMF scholarships are an example of this and there are others. My D received several full tuition merit scholarships from OOS state schools not for her NMF status last year. But they weren’t the highly competitive based on leadership named scholarships, and not really top state schools. Stonybrook, Rutgers, UIUC(almost full tuition), and I can’t remember now where else, but schools like that. You have to check websites to see if schools open their big scholarships to OOS and set the same standards to get them. Some do and some don’t.</p>