I'm a financial mess... university related.

[eakers]

Originally posted by: RyanSengara

Originally posted by: eakers
ok i am going to say it even though I hate it:

Student line of credit.

Its the biggest scam out there bank wise but its something people in our situation have to do.

I'm going to go to my two banks tomorrow, but I'm afraid of two things.

1) Listing my dad's personal assets.. asking him how much he makes monthly, and the total value of his personal investments.. well it's one of those things I don't really want to know and it honestly will probably scare me to see my dads overall value. We're wealthy, but not obnoxious about it, he hides it very well. For me to see him exposed like that will probably scare me sh!tless.

2) Them looking at the balance in my bank account.

I fell in the bracket of "my parents make too much to get osap and not enough to put me through school" and they gave me a loan, no problemo."

I had like $200 in my bank account at the time.

 

[Albis]

try and be independent from your parents than your father's salary doesn't matter

your family contribution will go to ZERO and you will get all the loans you need from mr. govt

 

[Orsorum]

Originally posted by: eakers
I fell in the bracket of "my parents make too much to get osap and not enough to put me through school" and they gave me a loan, no problemo."

I had like $200 in my bank account at the time.

Well, yes, but you're a cute Canadian girl.

For those of us who aren't, yeah, it sucks. Whenever an application asks me now what my dad's income is, I say "N/A". Haven't had any issues yet.

 

[GeekDrew]

Originally posted by: CanOWorms

Originally posted by: digitalsm

Originally posted by: GeekDrew
<sigh> My parents make too much money. That, coupled with many other excuses, is why I haven't yet attended college. When I turn 21, that excuse will be gone... hrmmmmm.

Uh I got bad new for you. You are a nor dependent in the eyes of the govt until 24. Ive jumped through these hoops. I turn 24 next year, thank god.

Unless you are married, have kids, a ward of the state or a veteran.

I believe when attending graduate school, your parents' income does not matter either. You're supposed to be independent.

Oh really? I had been told that by a guidance counselor one time... but when I was speaking to financial aid offices at a couple of different schools, they indicated that it was 21. heh Guess I'll be able to thrive on that excuse for three years longer than intended.

 

[eakers]

Originally posted by: Orsorum

Originally posted by: eakers
I fell in the bracket of "my parents make too much to get osap and not enough to put me through school" and they gave me a loan, no problemo."

I had like $200 in my bank account at the time.

Well, yes, but you're a cute Canadian girl.

For those of us who aren't, yeah, it sucks. Whenever an application asks me now what my dad's income is, I say "N/A". Haven't had any issues yet.

well.. i did have co-signers on my loan i guess i should mention but the OP did say his dad was going to the bank with him.

 

[GTaudiophile]

Yeah, what's wrong with moving to a state with really good public universities (Berkeley, University of Michigan, University of Virginia, Georgia Tech), become a resident there, then apply for in-state tuition? If you move to GA, for example, you could also take advantage of the HOPE scholarship if your high school GPA is 3.0 or higher. You could then attend GA Tech for about $8K/year. Georgia State or UGA would be even cheaper. Just as an example.

 

[RbSX]

Originally posted by: eakers

Originally posted by: Orsorum

Originally posted by: eakers
I fell in the bracket of "my parents make too much to get osap and not enough to put me through school" and they gave me a loan, no problemo."

I had like $200 in my bank account at the time.

Well, yes, but you're a cute Canadian girl.

For those of us who aren't, yeah, it sucks. Whenever an application asks me now what my dad's income is, I say "N/A". Haven't had any issues yet.

well.. i did have co-signers on my loan i guess i should mention but the OP did say his dad was going to the bank with him.

My dad is willing to be a cosigner of the loan, he can't come to the bank with me though, he lives on the west coast and I am currently on the east coast.

 

[archcommus]

Originally posted by: GTaudiophile
Yeah, what's wrong with moving to a state with really good public universities (Berkeley, University of Michigan, University of Virginia, Georgia Tech), become a resident there, then apply for in-state tuition? If you move to GA, for example, you could also take advantage of the HOPE scholarship if your high school GPA is 3.0 or higher. You could then attend GA Tech for about $8K/year. Georgia State or UGA would be even cheaper. Just as an example.

Don't they usually require that you HAVE been a resident of that state for at least two years or something like that?

 

[BigJ]

Originally posted by: archcommus

Originally posted by: GTaudiophile
Yeah, what's wrong with moving to a state with really good public universities (Berkeley, University of Michigan, University of Virginia, Georgia Tech), become a resident there, then apply for in-state tuition? If you move to GA, for example, you could also take advantage of the HOPE scholarship if your high school GPA is 3.0 or higher. You could then attend GA Tech for about $8K/year. Georgia State or UGA would be even cheaper. Just as an example.

Don't they usually require that you HAVE been a resident of that state for at least two years or something like that?

To become a resident of a state, it usually only takes a year of actually living there. But it's not *THAT* simple.

 

[digitalsm]

Originally posted by: archcommus

Originally posted by: GTaudiophile
Yeah, what's wrong with moving to a state with really good public universities (Berkeley, University of Michigan, University of Virginia, Georgia Tech), become a resident there, then apply for in-state tuition? If you move to GA, for example, you could also take advantage of the HOPE scholarship if your high school GPA is 3.0 or higher. You could then attend GA Tech for about $8K/year. Georgia State or UGA would be even cheaper. Just as an example.

Don't they usually require that you HAVE been a resident of that state for at least two years or something like that?

One year.

 

[sygyzy]

Why don't you go to a CC?

 

[digitalsm]

Originally posted by: GeekDrew

Originally posted by: CanOWorms

Originally posted by: digitalsm

Originally posted by: GeekDrew
<sigh> My parents make too much money. That, coupled with many other excuses, is why I haven't yet attended college. When I turn 21, that excuse will be gone... hrmmmmm.

Uh I got bad new for you. You are a nor dependent in the eyes of the govt until 24. Ive jumped through these hoops. I turn 24 next year, thank god.

Unless you are married, have kids, a ward of the state or a veteran.

I believe when attending graduate school, your parents' income does not matter either. You're supposed to be independent.

Oh really? I had been told that by a guidance counselor one time... but when I was speaking to financial aid offices at a couple of different schools, they indicated that it was 21. heh Guess I'll be able to thrive on that excuse for three years longer than intended.

Your guidance counselor was wrong. If I were you I would go to a community college. Take 9-12 hours for 6 semesters and you will be halfway to your degree when you are eligible for aid. It doesnt matter where you take your freshmen/sophmore/core req courses.

I was in the same boat as you. Except I was a high school drop out. I started at a community college at 21. I will be attending UTexas, Texas A&M or Rice next fall. I can easily get into UT or A&M. Rice is possible but not probable.

 

[jpeyton]

Can't afford school? Drop out until you can.

 

[wasserkool]

what does your parents dO?

 

[Jeff7181]

Before some of you say, go ask your parents/relatives for money, thats out of the question, my parents and I have had a falling out and the last thing they want my relatives to know is that theres more family infighting.

Blackmail. "Mom, Dad... loan me money or I'll have to ask aunts and uncles and tell them why you're not helping me."

 

[richardycc]

sue your parents, if they are claiming you as dependent, and yet don't give you any financial support, sue those bastards!

 

[Toonces]

Originally posted by: sygyzy
Why don't you go to a CC?

because they don't exist here:

quick cliff notes for the Americans;

1. College is called University here
2. Community College is just 'College'

I realize that some schools call themselves Universities in the US but all are considered that here.

Oh, and if you can't seem to get amnesty for tuition from your school dropping this semester to work might be the best option, make some money and reconcile with the parents. Have another round at it in January.

 

[digitalsm]

Originally posted by: UNESC0

Originally posted by: sygyzy
Why don't you go to a CC?

because they don't exist here:

quick cliff notes for the Americans;

1. College is called University here
2. Community College is just 'College'

I realize that some schools call themselves Universities in the US but all are considered that here.

Oh, and if you can't seem to get amnesty for tuition from your school dropping this semester to work might be the best option, make some money and reconcile with the parents. Have another round at it in January.

Uh there are two year colleges in Canada. They might not be called community colleges, but something similar does exist, atleast in some parts of Canada.

 

[GeekDrew]

Originally posted by: digitalsm

Originally posted by: GeekDrew

Originally posted by: CanOWorms

Originally posted by: digitalsm

Originally posted by: GeekDrew
<sigh> My parents make too much money. That, coupled with many other excuses, is why I haven't yet attended college. When I turn 21, that excuse will be gone... hrmmmmm.

Uh I got bad new for you. You are a nor dependent in the eyes of the govt until 24. Ive jumped through these hoops. I turn 24 next year, thank god.

Unless you are married, have kids, a ward of the state or a veteran.

I believe when attending graduate school, your parents' income does not matter either. You're supposed to be independent.

Oh really? I had been told that by a guidance counselor one time... but when I was speaking to financial aid offices at a couple of different schools, they indicated that it was 21. heh Guess I'll be able to thrive on that excuse for three years longer than intended.

Your guidance counselor was wrong. If I were you I would go to a community college. Take 9-12 hours for 6 semesters and you will be halfway to your degree when you are eligible for aid. It doesnt matter where you take your freshmen/sophmore/core req courses.

I was in the same boat as you. Except I was a high school drop out. I started at a community college at 21. I will be attending UTexas, Texas A&M or Rice next fall. I can easily get into UT or A&M. Rice is possible but not probable.

I wasn't a high school dropout, but I'll be 21 before I get anywhere... I'll turn 21 on December 12. But... I've hijacked plenty of other threads about college... I'll refrain in this thread.

 

[RaynorWolfcastle]

Originally posted by: RabidMongoose

Originally posted by: UNESC0
Well, Harvard, MIT, Cornell, etc... all are more prestigious - they attract the best and brightest mostly because of their huge endowments Like Harvards $23 BILLION dollars it has to spend on education, oh and how much does it cost to attend? Canadians pay between $4500 a year to $8000 for undergrad depending on program, school, etc...

Harvard is actually free if your parents earn less than a certain amount of money - something like $45,000 maybe. In addition, these types of schools will give you tremendous amounts of aid to attend.

You'd have to compare these Canadian schools to American public colleges, where the costs are more similar. The bottom line is that the best of the American university educational system is far beyond anything that Canada has to offer, but much of it is in expensive private schools.

We've had this discussion before so I won't get into it again, but I will say this: the biggest differentiator in any undergrad degree is the networking and "help" in getting into grad school. The undergrad degrees are to a large degree equivalent whether you go to an Ivy league school or to some midrange school (whether Canadian or American). It's not like there are some secrets that are only taught at the Ivies.

On the other hand, networking at top schools and particularly the Ivies is hugely better than a midrange school; this helps once you get out in the workforce. In addition, going to an Ivy and doing well practically guarantees that you can land a grad school spot in a well funded lab with other bright minds.


OP, weren't you the one playing $1000 NL poker just a few days ago? Maybe gambling large sums of money when you're broke isn't such a splendid idea?

 

[JinLien]

Originally posted by: RyanSengara

Originally posted by: Wonderful Pork
take out a loan. I had to get unsubsidized stafford loans because my parents made too much money. Try and sign up for a work-study program. Good luck if you went out of state or to a private school (like I did, talk about a 50k mistake.)

I'm Canadian, schooling isn't NEARLY as expensive here as it is down in the states. My parents ARE paying for accomodations, but thats it.

How do you get something like a loan that you're suggesting?

Through a bank?

I'm Canadian and my parents didn't pay for my education/accommodation.

I worked fulltime and went to school fulltime for 7 years and part time school for 2 years. I owed 16K when I finished school with 2 degrees and 2 diplomas.

My GF is completing her last year of nursing (RN) with out any help from her parents, and she only owe 8K once she complete schooling in Apr 2006.

The GF sis is in the same situation as her sibling that only owes 2K once she completes her Pharmacy degrees in Apr 2006.

It is possible to get an education on your own with out financial aid, but it might take you a bit longer because others have done it successfully.

 

[BigJ]

Originally posted by: RaynorWolfcastle

OP, weren't you the one playing $1000 NL poker just a few days ago? Maybe gambling large sums of money when you're broke isn't such a splendid idea?

http://forums.anandtech.com/messageview...atid=38&threadid=1681461&enterthread=y

Good catch.

And if his parents didn't tell him this until about "2 weeks ago," that means he was gambling all that money knowing he had tuition money to come up with.

 

[Aquaman]

Originally posted by: BigJ

Originally posted by: RaynorWolfcastle

OP, weren't you the one playing $1000 NL poker just a few days ago? Maybe gambling large sums of money when you're broke isn't such a splendid idea?

http://forums.anandtech.com/messageview...atid=38&threadid=1681461&enterthread=y

Good catch.

And if his parents didn't tell him this until about "2 weeks ago," that means he was gambling all that money knowing he had tuition money to come up with.

Maybe one of these threads is Shens?

Cheers,
Aquaman

 

[RbSX]

Originally posted by: RaynorWolfcastle

Originally posted by: RabidMongoose

Originally posted by: UNESC0
Well, Harvard, MIT, Cornell, etc... all are more prestigious - they attract the best and brightest mostly because of their huge endowments Like Harvards $23 BILLION dollars it has to spend on education, oh and how much does it cost to attend? Canadians pay between $4500 a year to $8000 for undergrad depending on program, school, etc...

Harvard is actually free if your parents earn less than a certain amount of money - something like $45,000 maybe. In addition, these types of schools will give you tremendous amounts of aid to attend.

You'd have to compare these Canadian schools to American public colleges, where the costs are more similar. The bottom line is that the best of the American university educational system is far beyond anything that Canada has to offer, but much of it is in expensive private schools.

We've had this discussion before so I won't get into it again, but I will say this: the biggest differentiator in any undergrad degree is the networking and "help" in getting into grad school. The undergrad degrees are to a large degree equivalent whether you go to an Ivy league school or to some midrange school (whether Canadian or American). It's not like there are some secrets that are only taught at the Ivies.

On the other hand, networking at top schools and particularly the Ivies is hugely better than a midrange school; this helps once you get out in the workforce. In addition, going to an Ivy and doing well practically guarantees that you can land a grad school spot in a well funded lab with other bright minds.


OP, weren't you the one playing $1000 NL poker just a few days ago? Maybe gambling large sums of money when you're broke isn't such a splendid idea?

Wasn't my money. It was my friends I wish I could afford it, if you read my posts you'd see that I said 'I wish I could afford to play this high'...

 

[Raincity]

Kiss and make up and stop posting threads about the wealth of your family, it gets old.