<p>Thanks for the correction. I didn’t realize that Emory-Oxford met need since less than half of their students get aid, and the average aid package is less than tuition alone. They must have good number of affluent students attending. Is Emory-Oxford “need aware”?</p>
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<p>^^^^ Did you apply to Rice? You should be a match for Rice as well.</p>
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<p>I think with a 27 ACT and your amazing gpa you will be a match for Emory main campus, and a safety for Emory oxford. </p>
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<p>Actually the OP could have applied to Emory-Main Campus because the deadline for apps was today (postmarked by today), due to the inclement weather ATL has had in the past couple of weeks. </p>
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<p>^^^^ Emory oxford students aren’t considered transfers to Main campus, so their FA won’t be any less on main campus because they came from oxford. BTW, we are not located in Buckhead (thats closer to downtown I think). We are in the druid hills metro suburbs. </p>
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<p>^^^ Lots of kids who roll out in 96K BMWs, and mercedes…</p>
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^^^^ With A.A. and his great gpa it might be. </p>
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^^^^ Well he won’t be able to brag, if none of his friends have heard of Emory, which almost always is the case…</p>
<p>BlueBayou how do you know so much about the school???</p>
<p>^^Obviously, not enough to remember the diff between Druid Hills and BH. hahahahaha</p>
<p>…I guess it’ll be a fight between choosing Emory or Loyola in April.</p>
<p>^^^^ Did you apply to Emory-Main Campus or just oxford? Did you apply to academically similar schools (ie Rice, Vandy, ND)? </p>
<p>The other thing you might not like about Oxford is that most of the kids who go there are from Georgia, and so during the weekends, the campus is dead because a lot of them go home for the weekends. Main campus is around 73 percent out of state, so the kids only go home during breaks, and there are things to do during the weekend.</p>
<p>Congrats whs2012! My son just received acceptance to Loyola New Orleans with awards totaling 28k. We too are struggling with the notion of going to a recognizable name school - but I think graduating without debt is far more important. Whatever he puts into his education no matter where he goes is up to him. Because its his first acceptance we too are feeling its too good to be true! Its a waiting game now…</p>
<p>*I guess it’ll be a fight between choosing Emory or Loyola in April. *</p>
<p>Do you know what your family contribution might be for Emory-Oxford?</p>
<p>Have you used any of the EFC calculators? </p>
<p>Has your DAD said that he will pay whatever the family is expected to pay?</p>
<p>Lol. Congrats to your son too!</p>
<p>And yeah I know. 
and I can’t have my car until the second semester (if not the next year)…so that makes it worst.</p>
<p>What is EFC? My parents income total is right below $100,000…my mom wasn’t working though…just my dad, but now she is…so I don’t know. she’s an ICU nurse. </p>
<p>And I meant Emory-Oxford…</p>
<p>And I REALLY REALLY want to go to rice, but I missed the deadline. 
I’d prefer rice over harvard…</p>
<p>Worse** not worst. Sorry.</p>
<p>^^^ If you act quickly, I think you can still apply to Emory Main Campus. Just tell them, that you meant to send an app to Emory Main campus as well as Emory Oxford. The app is the same to both schools, they are just viewed by different admissions committees. They might be nice and just send over your app for Emory oxford over to Emory main campus to review as well.</p>
<p>Yeah, I was thinking about that. I’ll try tomorrow morning. :D</p>
<p>*What is EFC? My parents income total is right below $100,000…my mom wasn’t working though…just my dad, but now she is…so I don’t know. she’s an ICU nurse.
*</p>
<p>EFC = Expected Family Contribution That is the MINIMUM your schools will expect your parents to pay (except in the case of Loyola which gave you a HUGE scholarship)</p>
<p>Have you done your financial aid paperwork…FAFSA? CSS Profile? (assuming that Emory requires CSS Profile and FAFSA.) when is your FA paperwork due for your schools?</p>
<p>this is what you need to be concerned about…</p>
<p>1) For your freshman year, your EFC will be based on your family’s 2010 income (which will be lower because your mom isn’t working). </p>
<p>2) With a 2010 income of about $100k, your EFC will probably be about $17k for your freshman year (mom’s income won’t count yet). </p>
<p>3) HOWEVER, for your soph, jr, and sr years, your EFC will be a lot higher because your mom’s income will be included. So, if your family income rises to - say - $150k, then you may not get much financial aid at all from a school like Emory, because then your EFC will likely rise to over $35k.</p>
<p>You need to talk to your dad about how much HE will contribute each year. That may largely determine where you can go to college.</p>
<p>I told my dad if he wants me to go to Emory so bad, he can get a student loan for me in his name. Because I’m not going to be $150,000 in undergrad debt just to go Emory. Plus I couldn’t get a loan until I turned 18 (May 4, 2012) anyways… The $15,000 cap thing at Emory is for incomes of $100,000 and less…which won’t be the case for the 2011 year.*</p>
<p>To make it worse, my brother didn’t receive any financial aid at all…like at all. So my dad has to pay $20,000 a year just for him. This is what really upsets me…if my brother would have just gotten a small amount of merit aid, it would have been so much easier…but with an SAT score of a 1050 on the 2400 scale…it would be literally impossible.*</p>
<p>In addition, last semester was a waste for him. He wants to be an engineer (which everyone is trying to discourage him from. He hates math and failed the standardized state exit level examination for math 3 times…and even though I showed him the degree plan, he still doesn’t believe he has to take much math), and last semester he took courses completely unrelated to his major and was put on academic probation due to his 1.9 gpa… I’m positive that he won’t be graduating in four years. Which means less money for me. Yay!!!*</p>
<p>I think my dad wants me to go to Emory so bad because theres like a competition in my family on my dads side. I have 3 cousins who went to Stanford, one to rice, and one to Emory-Oxford.*</p>
<p>Yeah, I finished my fafsa, but I still need to complete my CSS profile. Thanks for the heads up! I didn’t know Emory required that. :/</p>
<p>*Because I’m not going to be $150,000 in undergrad debt just to go Emory. Plus I couldn’t get a loan until I turned 18 (May 4, 2012) anyways… The $15,000 cap thing at Emory is for incomes of $100,000 and less…which won’t be *</p>
<p>You can’t get a big loan without a co-signer - even if you were 18. BTW…since you want to be a doctor, you shouldn’t be borrowing much anyway.</p>
<p>Yes, if your dad wants you to go to some pricey school (for his ego), then he should be responsible for any loans. He can’t have it both ways…where you take out the loans and he gets to stroke his ego. </p>
<p>BTW…once you’re a doctor, no one in your dad’s family is going to be pooh-poohing where you went to undergrad. That will be such a huge “non-issue.” </p>
<p>You are misunderstanding the loan cap issue at Emory. THAT’S for the “need” part. That has NOTHING to do with covering one’s EFC. If you have an EFC of - say - $20k - and your parents can’t pay it and must take out a $20k loan to pay their EFC, that loan amount is NOT part of the “loan cap” issue.</p>
<p>The loan cap issue ONLY addresses “need”…which means that if you have a demonstrated need of - say $30k - then a loan cap is used to cover that $30k. Which means that your fist FA package would likely only have a small loan in it towards covering need and the rest of the $30k would be covered with grants, work-study, etc. But, like you said, you’ll only have that loan cap protection for one year. </p>
<p>If your dad isn’t willing to pay whatever your “family contribution” is (for all 4 years), then Emory may not work out.</p>
<p>So I calculated my efc…it’s around $11,000 a year. So this is the max my parents will have to pay? Whats the difference from the loan cap? My dad said he would be fine paying the $11,000…</p>
<p>Not to derail this but what happened to your Rice app?..If it was your first choice how did you miss a deadline?</p>
<p>^^^</p>
<p>I think the problem <em>may</em> be that this student missed the deadline because he/she is only a junior who decided recently to graduate early and go to college in the fall.</p>
<p>I decided to graduate early in October/November. it sucks…</p>
<p>Then change your mind and apply more broadly next year.</p>
<p>*So I calculated my efc…it’s around $11,000 a year. So this is the max my parents will have to pay? Whats the difference from the loan cap? My dad said he would be fine paying the $11,000… *</p>
<p>No…that isn’t the maximum that your parents might have to pay. Emory is a CSS Profile school. They may determine that your parents have to pay more.</p>
<p>And, remember, whatever Emory decides that your family contribution is for fall will NOT be the amount for future years since your mom’s income will be included next year and the following years.</p>