Private School Possible with Household Income <$80K

[Anonymous]

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Anonymous wrote:Why cannot you just go to public school ????

What ever happened to diversity, inclusion and equity?

DEI doesn't mean every single person who wants to go to private school gets to go to private school for free. Free school is public school. Private schools and their aid budgets are funded by other parents paying full tuition plus contributing to the annual fund. Whether that's right or fair is beside the point. That's the reality.

Diversity and inclusion means you have a huge range of students. Families making under $80K should be far more deserving of a family making $200-300K who claims poverty because of their housing and other lifestyle choices. Its funny how these schools and families preach what they don't practice.

SAHM and homeschooling usually *is* a lifestyle choice.

I would definitely choose to quit my job and stay home if it meant we could get financial aid to send my kids to private for free! Suspect many others would also be interested in that sweet deal.

How would u pay your rent, groceries, and all your other expenses. Nobody is going to purposely not have income just to get free tuition.

I only have to work so that I can send my kids to private school. If we did not have to pay for 3 kids private a school education, my DH’s salary would be more than enough.

Having three kids was a choice you made. And, three kids are expensive. You probably could have stopped at one and then been a SAH and paid for private.

Well, right, it was a choice. PP chooses to work to put her three kids in private. And OP chooses not to work, but then expects to get financial aid for "diversity" though hasn't given any indication of what would make her student/family stand out against dozens of others with similar income levels. So she'll have to roll the dice and she if she gets offered anything and if it will be enough. All choices.

This. A parent who doesn't want to work isn't the kind of diversity they're looking for. Private schools have plenty of parents who don't want to work.

BINGO. OP, you bring nothing to the table needed for this meal but you're asking for a handout.

I am going to guess that you are white and living in PG county and homeschooling because you are afraid of the schools? And your DH is military maybe? because what else public service is he maxing out at $80k after a long career? Even bus drivers can make more than that.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Why cannot you just go to public school ????

What ever happened to diversity, inclusion and equity?

DEI doesn't mean every single person who wants to go to private school gets to go to private school for free. Free school is public school. Private schools and their aid budgets are funded by other parents paying full tuition plus contributing to the annual fund. Whether that's right or fair is beside the point. That's the reality.

Diversity and inclusion means you have a huge range of students. Families making under $80K should be far more deserving of a family making $200-300K who claims poverty because of their housing and other lifestyle choices. Its funny how these schools and families preach what they don't practice.

SAHM and homeschooling usually *is* a lifestyle choice.

I would definitely choose to quit my job and stay home if it meant we could get financial aid to send my kids to private for free! Suspect many others would also be interested in that sweet deal.

How would u pay your rent, groceries, and all your other expenses. Nobody is going to purposely not have income just to get free tuition.

I only have to work so that I can send my kids to private school. If we did not have to pay for 3 kids private a school education, my DH’s salary would be more than enough.

Having three kids was a choice you made. And, three kids are expensive. You probably could have stopped at one and then been a SAH and paid for private.

Well, right, it was a choice. PP chooses to work to put her three kids in private. And OP chooses not to work, but then expects to get financial aid for "diversity" though hasn't given any indication of what would make her student/family stand out against dozens of others with similar income levels. So she'll have to roll the dice and she if she gets offered anything and if it will be enough. All choices.

This. A parent who doesn't want to work isn't the kind of diversity they're looking for. Private schools have plenty of parents who don't want to work.

BINGO. OP, you bring nothing to the table needed for this meal but you're asking for a handout.

I am going to guess that you are white and living in PG county and homeschooling because you are afraid of the schools? And your DH is military maybe? because what else public service is he maxing out at $80k after a long career? Even bus drivers can make more than that.

Lots of government jobs - county and federal max out at that income level. They especially max out at the local/county level. Military would be enlisted and you wouldn't make $80K except if you are including housing allowance. Enlisted, even at 20 years and higher ranking don't make that much. Kinda sad if we pay bus drivers more than military.

They are probably local/county government.

[Anonymous]

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Anonymous wrote:I'm a SAHM with a husband making $80k a year and two kids. I left my job when we had our first child and he made $65k. It's fairly common outside DCUM/private school rich bubbles.

We've been lucky with private school financial aid and government assistance. I say it's worth applying!

As long as the financial aid calculation is based on your income being 130-140k, I’m fine with it. I would not be fine with it based on a 80k income only.

It doesn't matter what you'd be fine with as its the schools decision, not yours. But, there is no way they are getting government assistance making $80K aa year.

You're not getting TANF or SNAP on $80K/year with 2 kids, even in DC with it's very high income limits. Try again with your attempt to be inflammatory.

No TANF or SNAP, but Medicaid with a premium for the kids and once they qualify for that they also qualify for WIC. Down payment assistance and other home buying loan programs that offer manageable interest rates also help. $80k is plenty manageable in this area for a family of 4 once you're aware of these programs. I encourage anyone who wants to have one parent stay home look into their options and apply for financial aid at private schools.

This was pretty skillful trolling, but you overplayed your hand with that last line.

It might not be trolling at all. DC covers minors up to 319% of the federal poverty level so a four-person household's monthly income only needs to be less than $7,155 to qualify. When you go to the WIC site for DC, if you have minor children who qualify for Medicaid, it says they also qualify for WIC.

It’s the chip program which is not Medicaid. It’s low cost health care for kids but it’s a different program and not free like Medicaid.

https://www.healthcare.gov/medicaid-chip/childrens-health-insurance-program/

It has premiums and copays whereas Medicaid has no copays or premiums.

But at $80k they are not getting much.

Yes, but that’s exactly what she said. Medicaid with a premium, then WIC. Other posters said that’s not possible at all. I’m saying if it’s trolling they did a lot of research to figure out exactly which benefits to cite and at which income levels. The housing downpayment program has a higher income level.if they bought te years ago when prices were more affordable, it’s quite possible they have a very low mortgage payer.

I spent many years working in social services doing these kinds of programs. You should spend a few years working in it, especially if yo are going to argue that its a medicaid program when its not. Then, you might get some empathy and understanding on how others live. You wouldn't earn a lot so a parent like you may not want your kids in the private school as they'd probably look down on your kids like you do some of us doing these jobs.

This is NOT medicaid. It is a different program all together. This has nothing to do with medicaid. It is a program for families who don't qualify for medicaid as they earn to much but don't get health insurance through their employer for kids and cannot afford private pay insurance. This program has premiums and co-pays unlike medicaid. This is not medicaid with premiums. If you get medicaid, you'd probably get food stamps, WIC (if kids are under 5) and many other programs. WIC/Food Stamps are all income based. And, you can qualify for one and not the other.

The downpayment programs are really hard to qualify for - you'd have to find a house in your price range, have good enough credit to get a mortgage and much more. The help is only 2% or so of the costs so you are talking a couple of thousand at best. There are other housing programs, I tried some for myself but the cost of the homes was more than we could buy outside the program and it made no sense.

If they need a nursing home, long term medicaid has different income limits that are much higher but that's an entirely different situation.

$80-100K is the true donut family. You make too much for benefits but just barely enough to survive on. They may qualify for county rec, may qualify for county child care (working parent - there are two different programs depending on income) and a few other things. Maybe utility assistance. But, you aren't getting wic, food stamps or medicaid. They need to raise the income limits so more families qualify but they'll never do that.

They would have had to buy 25+ years ago as 20 years ago we hit a height of the market and many homes were over $300K, which would be unaffordable.

1. If it's not Medicaid, you should tell that to the DC health care office because this website: [/url]https://dhcf.dc.gov/service/infants-children-0-20 literally says District of Columbia Medicaid for Infants and Children with a monthly income of $7,155 per month. Here's another page: [url]https://dhcf.dc.gov/sites/default/files/dc/sites/dhcf/publication/attachments/DCMedicaidAllianceFactSheet.pdf Technicallly it may be funded by CHIP, but it says Medicaid everywhere.

2. The HPAP loan covers up to $4,000 in closing costs and up to 80,000 in financing assistance. If you are below the 80% of median income in DC (which a family of 4 at $80K would be, you would qualify for that loan to be deferred until the property is sold. If you are between 80-110% of the median income, that loan is deferred for five years and then kicks into a 40 year repayment cycle. Here's the link https://dhcd.dc.gov/service/home-purchase-assistance-program-hpap Relative bought a very affordable house a decade ago using that program for under $250K. Value up 3x.

3. I actually do work in a program similar to this and have quite a bit of empathy of families that earn $80K and below. Most of the people I work with have combined income far below $80K.

4. There were years, not that long ago, when my own family's income was around there. I took off time when my kids were born so I know expenses can be tight. They are tighter when you don't have to pay for childcare.

5. I don't, however, have any empathy for a two person, one income family that's claiming that they shouldn't have to work and should qualify for a ton of financial aid because they made that choice. If you made that choice, you need to accept the consequences of that choice. All most of us are saying is that the private school would/might/should impute an income for a non-working parent that doesn't have a valid reason not to work. Homeschooling (and I've done this too precovid) is not a valid reason to require private school to pay you extra to send your kid there.

Its not medicaid but its on the medicaid page for those who don't qualify.

What you are talking about is a loan, not a grant so people have to pay it back.

Have you actually worked in direct service with these programs or are you just federal and policy?

[Anonymous]

Anonymous wrote:

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Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I'm a SAHM with a husband making $80k a year and two kids. I left my job when we had our first child and he made $65k. It's fairly common outside DCUM/private school rich bubbles.

We've been lucky with private school financial aid and government assistance. I say it's worth applying!

As long as the financial aid calculation is based on your income being 130-140k, I’m fine with it. I would not be fine with it based on a 80k income only.

It doesn't matter what you'd be fine with as its the schools decision, not yours. But, there is no way they are getting government assistance making $80K aa year.

You're not getting TANF or SNAP on $80K/year with 2 kids, even in DC with it's very high income limits. Try again with your attempt to be inflammatory.

No TANF or SNAP, but Medicaid with a premium for the kids and once they qualify for that they also qualify for WIC. Down payment assistance and other home buying loan programs that offer manageable interest rates also help. $80k is plenty manageable in this area for a family of 4 once you're aware of these programs. I encourage anyone who wants to have one parent stay home look into their options and apply for financial aid at private schools.

This was pretty skillful trolling, but you overplayed your hand with that last line.

It might not be trolling at all. DC covers minors up to 319% of the federal poverty level so a four-person household's monthly income only needs to be less than $7,155 to qualify. When you go to the WIC site for DC, if you have minor children who qualify for Medicaid, it says they also qualify for WIC.

It’s the chip program which is not Medicaid. It’s low cost health care for kids but it’s a different program and not free like Medicaid.

https://www.healthcare.gov/medicaid-chip/childrens-health-insurance-program/

It has premiums and copays whereas Medicaid has no copays or premiums.

But at $80k they are not getting much.

Yes, but that’s exactly what she said. Medicaid with a premium, then WIC. Other posters said that’s not possible at all. I’m saying if it’s trolling they did a lot of research to figure out exactly which benefits to cite and at which income levels. The housing downpayment program has a higher income level.if they bought te years ago when prices were more affordable, it’s quite possible they have a very low mortgage payer.

I spent many years working in social services doing these kinds of programs. You should spend a few years working in it, especially if yo are going to argue that its a medicaid program when its not. Then, you might get some empathy and understanding on how others live. You wouldn't earn a lot so a parent like you may not want your kids in the private school as they'd probably look down on your kids like you do some of us doing these jobs.

This is NOT medicaid. It is a different program all together. This has nothing to do with medicaid. It is a program for families who don't qualify for medicaid as they earn to much but don't get health insurance through their employer for kids and cannot afford private pay insurance. This program has premiums and co-pays unlike medicaid. This is not medicaid with premiums. If you get medicaid, you'd probably get food stamps, WIC (if kids are under 5) and many other programs. WIC/Food Stamps are all income based. And, you can qualify for one and not the other.

The downpayment programs are really hard to qualify for - you'd have to find a house in your price range, have good enough credit to get a mortgage and much more. The help is only 2% or so of the costs so you are talking a couple of thousand at best. There are other housing programs, I tried some for myself but the cost of the homes was more than we could buy outside the program and it made no sense.

If they need a nursing home, long term medicaid has different income limits that are much higher but that's an entirely different situation.

$80-100K is the true donut family. You make too much for benefits but just barely enough to survive on. They may qualify for county rec, may qualify for county child care (working parent - there are two different programs depending on income) and a few other things. Maybe utility assistance. But, you aren't getting wic, food stamps or medicaid. They need to raise the income limits so more families qualify but they'll never do that.

They would have had to buy 25+ years ago as 20 years ago we hit a height of the market and many homes were over $300K, which would be unaffordable.

1. If it's not Medicaid, you should tell that to the DC health care office because this website: [/url]https://dhcf.dc.gov/service/infants-children-0-20 literally says District of Columbia Medicaid for Infants and Children with a monthly income of $7,155 per month. Here's another page: [url]https://dhcf.dc.gov/sites/default/files/dc/sites/dhcf/publication/attachments/DCMedicaidAllianceFactSheet.pdf Technicallly it may be funded by CHIP, but it says Medicaid everywhere.

2. The HPAP loan covers up to $4,000 in closing costs and up to 80,000 in financing assistance. If you are below the 80% of median income in DC (which a family of 4 at $80K would be, you would qualify for that loan to be deferred until the property is sold. If you are between 80-110% of the median income, that loan is deferred for five years and then kicks into a 40 year repayment cycle. Here's the link https://dhcd.dc.gov/service/home-purchase-assistance-program-hpap Relative bought a very affordable house a decade ago using that program for under $250K. Value up 3x.

3. I actually do work in a program similar to this and have quite a bit of empathy of families that earn $80K and below. Most of the people I work with have combined income far below $80K.

4. There were years, not that long ago, when my own family's income was around there. I took off time when my kids were born so I know expenses can be tight. They are tighter when you don't have to pay for childcare.

5. I don't, however, have any empathy for a two person, one income family that's claiming that they shouldn't have to work and should qualify for a ton of financial aid because they made that choice. If you made that choice, you need to accept the consequences of that choice. All most of us are saying is that the private school would/might/should impute an income for a non-working parent that doesn't have a valid reason not to work. Homeschooling (and I've done this too precovid) is not a valid reason to require private school to pay you extra to send your kid there.

Its not medicaid but its on the medicaid page for those who don't qualify.

What you are talking about is a loan, not a grant so people have to pay it back.

Have you actually worked in direct service with these programs or are you just federal and policy?

Not policy at all. Direct service but not those programs.

You are arguing the wrong thing here. The previous PP said this is what I've used. Someone said it's a troll. I posted that it might not be a troll because the way the programs are listed looks like Medicaid. You are right. It isn't technically Medicaid, but to any person who doesn't work with the nuance of health care depts, it is going to appear to be Medicaid (which has been my point all along). You are also arguing it would be impossible for a lower income family to buy using HPAP in DC. The PP said she did.

My only point was that the programs that the $80K poster said they used are out there, but you feel compelled to argue.

[Anonymous]

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Anonymous wrote:

Anonymous wrote:Why cannot you just go to public school ????

What ever happened to diversity, inclusion and equity?

DEI doesn't mean every single person who wants to go to private school gets to go to private school for free. Free school is public school. Private schools and their aid budgets are funded by other parents paying full tuition plus contributing to the annual fund. Whether that's right or fair is beside the point. That's the reality.

Diversity and inclusion means you have a huge range of students. Families making under $80K should be far more deserving of a family making $200-300K who claims poverty because of their housing and other lifestyle choices. Its funny how these schools and families preach what they don't practice.

SAHM and homeschooling usually *is* a lifestyle choice.

I would definitely choose to quit my job and stay home if it meant we could get financial aid to send my kids to private for free! Suspect many others would also be interested in that sweet deal.

How would u pay your rent, groceries, and all your other expenses. Nobody is going to purposely not have income just to get free tuition.

I only have to work so that I can send my kids to private school. If we did not have to pay for 3 kids private a school education, my DH’s salary would be more than enough.

Having three kids was a choice you made. And, three kids are expensive. You probably could have stopped at one and then been a SAH and paid for private.

Well, right, it was a choice. PP chooses to work to put her three kids in private. And OP chooses not to work, but then expects to get financial aid for "diversity" though hasn't given any indication of what would make her student/family stand out against dozens of others with similar income levels. So she'll have to roll the dice and she if she gets offered anything and if it will be enough. All choices.

This. A parent who doesn't want to work isn't the kind of diversity they're looking for. Private schools have plenty of parents who don't want to work.

BINGO. OP, you bring nothing to the table needed for this meal but you're asking for a handout.

I am going to guess that you are white and living in PG county and homeschooling because you are afraid of the schools? And your DH is military maybe? because what else public service is he maxing out at $80k after a long career? Even bus drivers can make more than that.

Lots of government jobs - county and federal max out at that income level. They especially max out at the local/county level. Military would be enlisted and you wouldn't make $80K except if you are including housing allowance. Enlisted, even at 20 years and higher ranking don't make that much. Kinda sad if we pay bus drivers more than military.

They are probably local/county government.

No, my guess is he's military and plays an instrument. She said about him (to paraphrase): "he has been training for this career since he was a child, he serves our country and he can't transfer to a higher paying job".
I bet he does something like plays trumpet for a military band. (What else could he be training for since childhood?)

He is probably enlisted (limited potential to advance in in pay)
She stays at home and homeschools.
They live somewhere in PG or way out in VA.
Not sure why their kid needs to go to a high-end high school.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Anyways, getting back to the main point - as someone with a HHI of $80k, I encourage you to apply. I'm not saying it'll definitely work, it worked for us. And from one "DCUM poor" to another, I do think it's worth looking at the job market these days if your husband hasn't in awhile, because salaries have gone up and I've been hearing about some pretty good pay raises for people in the $70-90k range from friends.

To those of you who think I'm a troll, that would be pretty sad, right? Looking up eligibility minutiae just to mess with people on the internet? Seems more plausible that I know this because we qualify and I've had to do my research. For "morals and values," what values? Sticking my kids in a daycare all day and putting almost all my salary towards it while the daycare workers are underpaid isn't a value I care about my kids having.

Being lazy and entitled aren’t qualities I want for my kids…. But I guess you do

You know what's really said is you are slamming people who are teachers, social workers, nurses and other "helping" professions who have masters but in lower paying jobs helping people. You don't want your kids to be good people and help others. Got it... not to worry, they will probably turn out just like you.

Maybe you should homeschool if you have zero respect for lower paying professions as teachers must be lazy terrible people too.

I don't need to look up these programs. I know them as I spent many years working in them. Someone had to do the job.

What are you talking about? The only lazy people are the ones that don’t want to work and expect handouts from others. “Helping professions” are “professions” these people have jobs and work for their money. OP does not have a “helping profession” she has “no profession”. Is this clearer to you now?

[Anonymous]

Anonymous wrote:

No, my guess is he's military and plays an instrument. She said about him (to paraphrase): "he has been training for this career since he was a child, he serves our country and he can't transfer to a higher paying job".
I bet he does something like plays trumpet for a military band. (What else could he be training for since childhood?)

He is probably enlisted (limited potential to advance in in pay)
She stays at home and homeschools.
They live somewhere in PG or way out in VA.
Not sure why their kid needs to go to a high-end high school.

The child is elementary school-aged. Do military band members not move around the same way other enlisted do? I don't know any military families who expect to be in the same place for more than a few years but then again, I don't know any musicians.

OP, I know at least the Catholic high schools in VA have merit scholarships along with financial aid, and the tuition is much more reasonable so 25% or 50% off might put it in your reach vs. one of the independent high schools where 25% of a big number is still a big number.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Why cannot you just go to public school ????

What ever happened to diversity, inclusion and equity?

DEI doesn't mean every single person who wants to go to private school gets to go to private school for free. Free school is public school. Private schools and their aid budgets are funded by other parents paying full tuition plus contributing to the annual fund. Whether that's right or fair is beside the point. That's the reality.

Diversity and inclusion means you have a huge range of students. Families making under $80K should be far more deserving of a family making $200-300K who claims poverty because of their housing and other lifestyle choices. Its funny how these schools and families preach what they don't practice.

SAHM and homeschooling usually *is* a lifestyle choice.

I would definitely choose to quit my job and stay home if it meant we could get financial aid to send my kids to private for free! Suspect many others would also be interested in that sweet deal.

How would u pay your rent, groceries, and all your other expenses. Nobody is going to purposely not have income just to get free tuition.

I only have to work so that I can send my kids to private school. If we did not have to pay for 3 kids private a school education, my DH’s salary would be more than enough.

Having three kids was a choice you made. And, three kids are expensive. You probably could have stopped at one and then been a SAH and paid for private.

Well, right, it was a choice. PP chooses to work to put her three kids in private. And OP chooses not to work, but then expects to get financial aid for "diversity" though hasn't given any indication of what would make her student/family stand out against dozens of others with similar income levels. So she'll have to roll the dice and she if she gets offered anything and if it will be enough. All choices.

This. A parent who doesn't want to work isn't the kind of diversity they're looking for. Private schools have plenty of parents who don't want to work.

BINGO. OP, you bring nothing to the table needed for this meal but you're asking for a handout.

I am going to guess that you are white and living in PG county and homeschooling because you are afraid of the schools? And your DH is military maybe? because what else public service is he maxing out at $80k after a long career? Even bus drivers can make more than that.

Lots of government jobs - county and federal max out at that income level. They especially max out at the local/county level. Military would be enlisted and you wouldn't make $80K except if you are including housing allowance. Enlisted, even at 20 years and higher ranking don't make that much. Kinda sad if we pay bus drivers more than military.

They are probably local/county government.

No, my guess is he's military and plays an instrument. She said about him (to paraphrase): "he has been training for this career since he was a child, he serves our country and he can't transfer to a higher paying job".
I bet he does something like plays trumpet for a military band. (What else could he be training for since childhood?)

He is probably enlisted (limited potential to advance in in pay)
She stays at home and homeschools.
They live somewhere in PG or way out in VA.
Not sure why their kid needs to go to a high-end high school.

Does anyone “need” to go to an expensive private?

[Anonymous]

Too many haters trolls in this thread providing nonconducting information.

[Anonymous]

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Its appalling schools give out aid to those making $200-250 but not to $80K. Those with $200-250K can reduce their housing and other expenses. Those making $80K cannot not.

Schools probably do give financial aid to those making $80K--if that is really all the family can earn. In your case it seems like it is a lifestyle choice (staying at home, not dealing with the hassles of being a working parent for relatively small net benefit, choosing more fulfilling lower paid jobs) that you want other people to subsidize. many people make sacrifices so their children can go to private schools, such as spending less time with their kids, working despite health issues, or working in jobs they don't love because they pay better. you're asking the rest of us, most of whom make sacrifices or struggle, to subsidize your decision to not sacrifice.

[Anonymous]

Earning potential and what one could make is NOT assessed on the financial aid applications. These posters are simply voicing their frustration with “subsidizing” families with a SAHM.

The overwhelming answer is yes OP. You qualify for aid. And a lot of it. Apply. Let’s close this thread already.

[Anonymous]

Anonymous wrote:Earning potential and what one could make is NOT assessed on the financial aid applications. These posters are simply voicing their frustration with “subsidizing” families with a SAHM.

The overwhelming answer is yes OP. You qualify for aid. And a lot of it. Apply. Let’s close this thread already.

While the OP may “qualify” for Financial Aid, they are a long, long way from getting any of it.

Only a handful of people get significant FA packages (80%+) And everyone has to pay something even if it is only 10%.

This isn’t some Government program in which how much money you get is determined by looking at a table.

Schools have a FA budget they have to stay within. They distribute the money (tuition discounts) among applicants in order to fill classes, maximize the school’s revenue and to add students with special talents of other attributes.

I get few on this forum want to be unkind and that means being encouraging. But I don’t know how much of a favor your doing anyone by minimizing the great barriers to this.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Earning potential and what one could make is NOT assessed on the financial aid applications. These posters are simply voicing their frustration with “subsidizing” families with a SAHM.

The overwhelming answer is yes OP. You qualify for aid. And a lot of it. Apply. Let’s close this thread already.

While the OP may “qualify” for Financial Aid, they are a long, long way from getting any of it.

Only a handful of people get significant FA packages (80%+) And everyone has to pay something even if it is only 10%.

This isn’t some Government program in which how much money you get is determined by looking at a table.

Schools have a FA budget they have to stay within. They distribute the money (tuition discounts) among applicants in order to fill classes, maximize the school’s revenue and to add students with special talents of other attributes.

I get few on this forum want to be unkind and that means being encouraging. But I don’t know how much of a favor your doing anyone by minimizing the great barriers to this.

OP didn’t ask about getting 80% aid. She asked about getting any. The fact is all the major schools have an AVERAGE aid package that amounts to more than 50% of the tuition. Take a look at Maret. Their AVERAGE aid package is $30k with and average tuition (over all grades) of $40k. Thus, their average package they give covers 75% of the tuition. That is not an outlier, that is an average. Yes, some get more and some get less. And yes the student still has to be admitted. Maret is a school that stresses they are need blind in admissions, but agree there is still a hurdle there.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Earning potential and what one could make is NOT assessed on the financial aid applications. These posters are simply voicing their frustration with “subsidizing” families with a SAHM.

The overwhelming answer is yes OP. You qualify for aid. And a lot of it. Apply. Let’s close this thread already.

While the OP may “qualify” for Financial Aid, they are a long, long way from getting any of it.

Only a handful of people get significant FA packages (80%+) And everyone has to pay something even if it is only 10%.

This isn’t some Government program in which how much money you get is determined by looking at a table.

Schools have a FA budget they have to stay within. They distribute the money (tuition discounts) among applicants in order to fill classes, maximize the school’s revenue and to add students with special talents of other attributes.

I get few on this forum want to be unkind and that means being encouraging. But I don’t know how much of a favor your doing anyone by minimizing the great barriers to this.

OP didn’t ask about getting 80% aid. She asked about getting any. The fact is all the major schools have an AVERAGE aid package that amounts to more than 50% of the tuition. Take a look at Maret. Their AVERAGE aid package is $30k with and average tuition (over all grades) of $40k. Thus, their average package they give covers 75% of the tuition. That is not an outlier, that is an average. Yes, some get more and some get less. And yes the student still has to be admitted. Maret is a school that stresses they are need blind in admissions, but agree there is still a hurdle there.

The other schools publish that their average grant is 50% of tuition. $80k (pre-tax) isn’t a lot of money.

This is a very low probability idea for this person IMO. It’s OK not to be negative. But some realism ought to seep in to the advice.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Earning potential and what one could make is NOT assessed on the financial aid applications. These posters are simply voicing their frustration with “subsidizing” families with a SAHM.

The overwhelming answer is yes OP. You qualify for aid. And a lot of it. Apply. Let’s close this thread already.

While the OP may “qualify” for Financial Aid, they are a long, long way from getting any of it.

Only a handful of people get significant FA packages (80%+) And everyone has to pay something even if it is only 10%.

This isn’t some Government program in which how much money you get is determined by looking at a table.

Schools have a FA budget they have to stay within. They distribute the money (tuition discounts) among applicants in order to fill classes, maximize the school’s revenue and to add students with special talents of other attributes.

I get few on this forum want to be unkind and that means being encouraging. But I don’t know how much of a favor your doing anyone by minimizing the great barriers to this.

OP didn’t ask about getting 80% aid. She asked about getting any. The fact is all the major schools have an AVERAGE aid package that amounts to more than 50% of the tuition. Take a look at Maret. Their AVERAGE aid package is $30k with and average tuition (over all grades) of $40k. Thus, their average package they give covers 75% of the tuition. That is not an outlier, that is an average. Yes, some get more and some get less. And yes the student still has to be admitted. Maret is a school that stresses they are need blind in admissions, but agree there is still a hurdle there.

The other schools publish that their average grant is 50% of tuition. $80k (pre-tax) isn’t a lot of money.

This is a very low probability idea for this person IMO. It’s OK not to be negative. But some realism ought to seep in to the advice.

Not in my experience.

GDS published average aid is also about 75%. Again that’s average. And they all state families up to $300k get aid. So the fact that op makes $80k would lead one to believe they will very likely get 80% aid or more. I have a friend that makes slightly more than that and get 95% aid.

The narrative to the OP should be, “yes, you should qualify for aid. Probably anywhere from 50-80% aid based on various factors. Let the OP decided if they would be able to cover any difference. She won’t know unless she applies. Instead it’s been 14 pages lecturing OP. OP, there are a few schools that will actually give you an informal estimate in about a day or so about how much aid you can qualify. Look on their sites. They all have a financial aid section.