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Oh man. I don't feel so good.

BluePinkertonBluePinkerton Registered User Posts: 67 Junior Member
Just checked the Financial Aid portal on Howdy and it looks like I'm going to have to pay the full sticker price. My family makes around 90k a year and that's only because 80k comes from my estranged step dad. My mom doesn't have enough money to help me out and my dad says it's a no go.

TAMU has only offered Federal Direct Student Loans which I will have to pay off later so it's pretty much sticker price.

If I'm going to pay sticker price, I might just end up with over $100,000 in student debt if I choose to attend TAMU.

The future looks bleak to me. Anyone wanna tell me I'm wrong?

Replies to: Oh man. I don't feel so good.

  • TxSkerTxSker Registered User Posts: 173 Junior Member
    Talk to your school counselor. There are many private scholarships out there you can apply for to help with school but you have to be willing to put in the work and time to seek them out and apply. Every year it seems the counselors at the HS are practically begging kids to apply for some of these scholarships. Good luck!!
  • aggiefanaticaggiefanatic Registered User Posts: 12 New Member
    What other schools have you applied to and what are they offering you in scholarships? You have to decide what your willing to sacrifice in order to go to TAMU. If I were in your shoes I would look for another school to attend, but that is just me.
  • Wien2NCWien2NC Registered User Posts: 1,060 Senior Member

    GPA and ACT/SAT scores, please.
  • AroundHereAroundHere Registered User Posts: 3,590 Senior Member
    Is your dad willing to pay for you to attend any college at all? If so, what is your budget?
    Did you apply anywhere else? Are your stats high enough for an automatic full tuition scholarship?
    Other options might be community college or the military (ROTC or GI Bill money).

    Ignore post #1, finding 100,000 in private scholarships is very unlikely.

    Even if you wanted 100,000 in student loans, who would consign them for you? All you can get without a consigner is that federal direct loan.
  • BluePinkertonBluePinkerton Registered User Posts: 67 Junior Member
    91 GPA Weighted which converts to a 4.0 GPA in my high school.

    ACT: 31
  • kaydeelookaydeeloo Registered User Posts: 167 Junior Member
    Have you considered the Corps and a ROTC scholarship? Of course, that would require that you serve time in the Army, but it's possible you could get a 4 year scholarship.
  • Wien2NCWien2NC Registered User Posts: 1,060 Senior Member

    well, it does not look good for TAMU but your GPA+ACT will get you full tuition at Alabama-Huntsville:

    if you want engineering, that's is a particular strength at UAH and Huntsville is a great city for future engineers.

    there is also this list you could check for automatic merit money:

    if you had a 32 on the ACT you would have more options, but as it stands you can get a full ride at Florida A&M, for example.

    do you want to study engineering?

    your future is not bleak as long as you have at least a full-tuition scholarship.
  • TxSkerTxSker Registered User Posts: 173 Junior Member
    @AroundHere You are correct that private scholarships are not going to stack to meet the full $100K price tag but it could be a path to lowering the costs some and every little bit matters. Full ride, all expenses paid scholarships are very very rare and only for those with the highest of stats or need.

    The advice provided by others to look into more affordable schools or schools that offer easier access to merit aid is sound advice that should be considered.
  • TamuEngineerTamuEngineer Registered User Posts: 47 Junior Member
    Not sure what major you wanted to do, but personally, this is the mindset I had when I chose to apply to A&M and actually go (before getting accepted).

    Keep in mind, I am probably in the minority with this way of thinking.

    I knew that I wanted to go to A&M long before I applied, and I knew I wanted to do engineering. With those two in mind, I did not know how much I was going to be offered in scholarships/grants/loans, but I fully expected to be willing to go deep into debt, as long as I was able to attend A&M. The engineering at this school is amazing, and I knew that I would be able to find a job, and succeed, and eventually pay off any accumulated debt.
  • MassDaD68MassDaD68 Registered User Posts: 1,545 Senior Member
    Where else have you applied. You need to apply to a financial safety school.
  • Yalie 2011Yalie 2011 Registered User Posts: 217 Junior Member
    edited January 2017
    Apply to UTD, they have rolling admissions and AES merit money qualification standards are pretty lame. School isn't great but for free, it ain't bad.
  • TexasAtHomeTexasAtHome Registered User Posts: 160 Junior Member
    You can file an appeal with Financial Aid. You'll have to submit copies of your mother's taxes and a letter explaining why you won't get any money from your step-dad. My S first year my husband was laid off the day after we submitted our financial data. We filed an appeal. Money dribbled in from various places to help cover the year. I can't promise this will happen for you, but at least call Financial Aid and talk to them. We accepted some federal loans, too. The subsidized are worth it.
  • kandcsmomkandcsmom Registered User Posts: 632 Member
    @TexasAtHome I'm pretty sure this is a different thing. Estranged father is not absent, they were being supported all along. This is not a job loss, this is a parent is within their rights to say they are not paying.
  • TamuEngineerTamuEngineer Registered User Posts: 47 Junior Member
    @BluePinkerton Btw, not sure if anyone knew, but if your step dad and your mom AREN'T married, then you don't have to put him on your financial aid. I know step dad means they are married but sometimes people give mother's significant other that title despite not being married. My step dad makes around $100k a year and my mom doesn't work, but legally, financial aid told me that unless they were married, that I did not have to put his income. So my EFC was 0, and I was able to afford college because I was offered many grants/scholarships. I was in the same situation that my step dad didn't want to pay anything.
  • AlbionGirlAlbionGirl Registered User Posts: 883 Member
    @TamuEngineer and @BluePinkerton

    You still need to report on FAFSA money paid on your behalf by your step dad or parent's live in partner. See this thread.

This discussion has been closed.