Having a Extreme EFC, Am I Wise to Miss Financial Aid Applications?
I understand my family will not qualify for financial aid because the family that is expected contribution $75,000 and none of my schools be more expensive than that. My personal moms and dads tell complete the FAFSA out anyhow since they are sure we’ll have financial aid. But my cousin mentioned it will help my personal likelihood of getting into that I will NOT be applying for financial aid if I mark on the application. What might the purpose be of finishing the FAFSA once I see I will not have any aid that is financial it might damage my chances of getting back in? Must I miss out the FAFSA and mark on software that I will not feel desire aid that is financial?
Then it can indeed work in your favor if you don’t apply for financial aid IF you are scratch essay applying to colleges that are ‘need aware’ (meaning that your financial circumstances may be considered when your admission decision is made. BUT … this might be mainly genuine if you are a borderline candidate. If you’re currently a powerful competitor, their help program won’t damage you (especially when the financial aid folks tell her admission company pals which you won’t see any money anyway!)
So that you are on the cusp at any of your need-aware target colleges, checking the ‘No aid’ box could be a plus, although first you should talk frankly with your parents about why they insist that you complete the FAFSA if you suspect.
Below are a few good grounds for doing so:
1. Doing a FAFSA is not the same as trying to get financial aid. It is possible to still determine the need-aware universities on it) at any ‘need blind’ schools on your list, because your financial aid application won’t be part of your admission verdict that you are not seeking assistance, and you can then apply for aid (if your parents are set.
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2. At some universities, pupils who apply as ‘no demand’ freshmen must hold off at the least 24 months before you apply for aid. Therefore if you do not seek it now, right after which next season there are alterations in your family’s financial visualize (age.g., a father or mother manages to lose a position or becomes sick and cannot services), may very well not bring aid, even if you otherwise qualify. This is not a practice that is common but it does can be found.
3. A few schools today charge a bit more than $75K/year ( total price of attendance). If you decide to apply to these schools, you almost certainly defintely won’t be provided any ‘grant’ revenue (the good stuff that doesn’t always have to get repaid), merely financial loans, but it is really worth a shot to try.
4. Sometimes, quality scholarships are granted merely to college students which submit a FAFSA, no matter if these funds aren’t really considering need. This is very unheard of. Hence, if you should be longing for a merit grant from any of your target colleges, you need to consult the entrance company to find out if your FAFSA will necessary. Chances are high, however, it will not be.
4. There may feel extenuating situation which can be behind your parents’ conviction that you’ll get financial aid regardless of the higher EFC. These, too, include unheard of. But maybe your family has actually genuine expenses that the FAFSA doesn’t identify. As an example, then might adjust your EFC if you have a disabled sibling who requires special programs or therapies that take a big chunk out of your household income, your parents could explain this in a letter to financial aid officials who.
Completing a FAFSA (while the other designs that universities may need, such as the CSS Profile) is just a lesser soreness. So if your moms and dads were keen to do it, this is often a conflict you may not want to choose. Nonetheless, ‘The Dean’ is concerned your mothers’ impractical hope of financial help could imply that your own college that is overall list become top-heavy with locations where you cannot pay for when no help seems. So as you create the college selection, be sure to put institutes that will be affordable even without aid. Have a look closely at in-state public institutions as well as colleges that award good merit cash and where their levels and examination results place you on top of the candidate pool. Otherwise you may be annoyed and disappointed when you look at the springtime when you have to state ‘No’ to numerous colleges that have said ‘Yes’ for your requirements.