<p>conn96</p>
<p>I write all this not to discourage you but to give you some realistic point of view. </p>
<p>In April 2015 (your senior year) you would realize one very simple thing: you don’t go to a college that you want and sometimes you don’t go to a college that you are admitted to, but you go to a college that your family can afford, including willingness of your family to take loans.</p>
<p>That’s why I would advise to listen to your mom and apply to several LA colleges as your back-up plan and financial safety schools.</p>
<p>And just several simple facts and calculations.</p>
<p>TX is academically more challenging than LA. ACT 21 in Texas doesn’t entitle anyone to merit scholarship. TX college readiness score is ACT 23 (it means that if you get ACT 23 in high school, 10 or 11 grade, you can take college/dual credit classes or if you get 23 your senior year you can enroll to TX college without requirement of taking THEA (Texas Higher Education Assessment) for placement in, well, probably remedial classes. Remedial classes will not count toward your degree but will cost you money and will be prerequisites for regular classes required for degree.
Even ACT 23 doesn’t entitle you to any merit scholarship in Texas public university, only some need-merit (much more need than merit) scholarships for Texas residents only. I don’t know any private universities that will give merit scholarships to students with these low scores. But you can try to find them, of course.</p>
<p>Texas Tech that you mentioned in your previous post will give freshmen merit scholarships to students with ACT 27 and up. [Merit</a> Scholarship Information](<a href=“http://www.scholarships.ttu.edu/Meritscholarship.aspx]Merit”>http://www.scholarships.ttu.edu/Meritscholarship.aspx) And it will be 8,000 per year only with OOS COA 31-32,000 a year. Do you want to ask your mom if she is willing to pay the difference?</p>
<p>In Southwestern University that was suggested in another post the scholarships start with ACT 25 and it’s 7,000 per year. OOS COA is 45-46,000 a year. Do you want to talk to your mom about these numbers?</p>
<p>I am not sure I understand your GPA expectation. Let’s clarify. Do you expect to get 3.7 GPA only for next year? Well, it is possible, your cumulative GPA would be 3.5. Do you expect to have cumulative GPA 3.7? It is impossible, you’ll need 10th grade GPA higher than 4 to get it (I calculated it for 7 classes per year, but it is impossible for 6 classes either)
For college admission purposes when you first apply your GPA would include only 3 years without 12th grade. If you keep your GPA 3.7 both 10th and 11th grade your cumulative GPA will be up to 3.6. Well, if you get GPA 4.0 both 10th and 11th grade than your cumulative GPA will be 3.77.</p>
<p>If you want to go OOS you need to know your ACT/SAT with writing. Both tests include Algebra II questions which means you’ll not get your best score until the end of 11th grade.
You need to know your cumulative GPA for 3 years, the end of 11th grade.
You need to run Net Price Calculators on colleges websites to see how much money it will cost. And since the COA is changing and prices are going up the best calculations would be in the end of 11th grade.
And I would suggest to show the results of net price calculators to your parents so they would tell you if it is realistic for them to pay this amount or not. </p>
<p>You alone cannot borrow more than 27,000 for 4 years and 31,000 total if you study more than 4 years. Everything above this amount is parents’ loans and up to your mom to decide.</p>
<p>And the last realistic comment about desire of being a psychologist. You will never-ever find job as a psychologist with Bachelor degree only. Here in Texas even school psychologists positions require Master degree. To work as a practicing psychologist you’ll need PhD or PsyD
[What</a> Is the Difference Between a PhD in Psychology and a PsyD?](<a href=“http://gradschool.about.com/od/psycholog1/a/phdpsyd.htm]What”>Ph.D. in Psychology or Psy.D.?)
I would suggest to make some research about this degree and profession to understand what you are getting into.</p>