<p>Susan R your post was fine… Welcome. As hard as it is take the good, ignore what does not help.</p>
<p>EFC $0</p>
<p>We have a lot of faith that if something’s meant to be, it will happen according to God’s will. D has been accepted at every school (honors programs) she applied to but she has made the decision that she doesn’t want to be overloaded with loans since she wants to go to med school & further. Her award packages at her top 2 were very close but she opted for the one with the lower $$ gap. She is actively seeking outside scholarships.
We have ~3 months to come up with the difference or will have to seek out loans. Oh, BTW, also divorced & disabled. To those with high EFC’s, I do understand the majority of us do have some type of obstacles to overcome. We are grateful her grades & ec got her in where she really wants to go & she’s not having to take the SAT/ACT in June. Those that believe in prayer will understand when I say, we’re sure praying for a lot of guidance now & in the upcoming months…& a whole lot of mercy!</p>
<p>Im sorry that my post was offensive-
I am coming from a place that while I do understand that * life happens*, we still have choices- and we still have power over our choices.
I work with some, who have had a victim mentality for so long, that they can’t get out of it, and the post must have pushed all those frustrating buttons that I try to ignore.</p>
<p>When some of us feel that those who have more- are just lucky, they don’t see that changing behavior and decisions will alter subsequent choices that they have.</p>
<p>I believe in gut feelings, but I also don’t believe that wishing and hoping will make something happen.
Like one student mentioned on another thread- crying in the finaid office doesn’t really make them open their wallets.</p>
<p>I’ve been forced to deal with my own financial aid since senior year in high school and it has been a quest of trial and error the whole time. I’ve shared some of my suggestions on the following post: <a href=“http://missiontuition.com/archives/40[/url]”>http://missiontuition.com/archives/40</a>. I discuss things such as your PIN and tax forms. Check it out and let me know what you think.</p>
<p>College Guy
<a href=“http://www.missiontuition.com%5B/url%5D”>www.missiontuition.com</a>
College+Food+Parties=Debt</p>
<p>My husband and I work 100 hours a week, neither of us have college degrees, between the both of us we make approx. 98,000, but that is working a 100 hour work week. Everyone knows how expensive it is to raise kids, especially kids that are involved with sports, our D is a 3 sport athlete (not the best but holds her own, gets the spirit award every season and that is fine with us, captain all 3 seasons in her Senior year, she is a B student and has performed a ton of community service over her four years, what I would call a average well rounded student, now comes college, she wants to go to a local private university, 33,000/year, to be a teacher, our EFC, 22,900 per year…(where the heck are we getting that!!!) she got approx. 6100 in grants, $1500 work study, 3500 unsub. loan…balance being, $27000. to be a 4th grade teacher and that doesn’t include her masters! Any thoughts on this one…oh and one last comment about financial aid, one of her friends fathers chooses (not disabled) not to work, funny her friend is getting almost a full ride ($25000) to a private university, she does no community service, B student…I don’t get the real picture here…something is jusst not justified with this whole financial aid system, oh and how about the ones that get a REFUND check, I have a friend who goes on a shopping spree from her balance on her tap check…can anyone explain?</p>
<p>One of the financial aid book that I borrowed from the library states that if you file short form(1040Z) you get 0 EFC. Does anyone here familiar with this ? Not sure if it’s for FAFSA or for both. The author states it does not count your asset if you file 1040Z. Max income on this form is $100K.</p>
<p>With FAFSA, automatic 0 EFC if parent’s AGI is under 20K and can file short tax form. If parent’s AGI is under 50K and can file short tax form, they qualify for the simplified needs test, and assets aren’t considered.</p>
<p>my efc is 0 what does this mean am i gonna get money i jusp paid my first semesters tuition and stuff myself icluding books a total oh 1854.83 what does the efc mean and is 0 good ahhhh i hate college already</p>
<p>0 is very good. Read through this thread, you’ll get an idea. You’re asking a question that’s already been answered.</p>
<p>My EFC is about $1,600. My mom’s a county-employed social worker and my dad is a disabled (thus unemployed) former psychiatrist. Including independent scholarships, I have a full ride.</p>
<p>0 isn’t that good. it’s only good if you go to a school that meets 100% of need, otherwise it’ll be hard for you to afford college…</p>
<p>0 EFC means your family is low income. Is that good?</p>
<p>My EFC is 20*. Does this mean that if I choose to go to an Ivy League university or any private university at that, I would only have to pay $20.00 for the whole year?? </p>
<p>This makes me real sad… My parents forced me to go to a community college when I could’ve in fact “afforded” to go to a better school.</p>
<p>No, it doesn’t mean you would have had to pay $20.00 for the whole year. Some schools would not have met your entire financial need, leaving you with a gap to fill. Almost all schools would have expected a student contribution, and most would have included loans in your aid. </p>
<p>For <em>some</em> schools, it might have meant a good aid package, but not for “any private university”.</p>