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[quote=Anonymous]I was in a similar situation that a relative paid for one year at an oos public and my kid came home after the year, went to cc, transferred to a 4-year. My kid had to take out some loans (under $30k - I’m a single mom) but repaid them ahead of time. There were no private loans involved.

Here’s my advice:
1- If the college is an out of state public, look online to see how they determine residency. Sometimes, students can live on their own off-campus, work and establish their own residency. Many times residency is based on where the parents live. If it’s the first, kid should take a year off, get a job and be self-supporting to establish in state residency.

2- Call the financial aid office of the university and ask about reconsideration. Bring up the additional people you support.

3- If your child is in a specific major/ program, sometimes there is scholarship money for continuing students. It is often gpa-dependent. Call the office of the major or the dean’s office to ask.

4- If student can get a ft job on campus, reduced tuition may be a benefit.

5- Student can apply for a pt job to help with expenses, but if won’t come in at 50k.

6- Join the military. Americorps also gives some college aid, but I don’t think it’s enough to defer college a few years and run the risk tuition will have increased.

7- Student can move off-campus, work and go to school pt. You just pay what you would have paid anyway and student tries to fund the rest.

8- Has student looked to see if the university accepts CLEP tests after enrollment? They may be able to rack up some credits that way. They also might be allowed to take some courses at the community college near home to accelerate their degree by one year.

Otherwise, please don’t do for this kid what you’re not willing to do for the others. Your others are less likely to qualify for aid because your family size will decrease with the years. And please don’t sign for loans. Too many parents get stuck paying for them and again, if you can’t do it for the others, it makes no sense to do it for this one. [/quote]

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