Full Coa

September 30th, 2005

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How much need based money would the University of Miami's financial aid give me?

I just got accepted into UM from FIU with 32 credits and a 3.61 gpa for spring '10. i currently receive the highest amount of financial aid possible, and my efc is 0. i only live with my father who has a pretty low paying job. I did not go to FIU with any scholarships, and my high school gpa was a 2.7 with a 1320 sat score. How much could aid could i possibly receive? please dont send me any links, thank you. :)

"How much could aid could i possibly receive?"
I just looked up this school and their Cost of Attendance is $55,454 for the year. If you are starting mid-year, then you are allowed to get up to HALF this amount in financial aid.

With an EFC of 0, you will get HALF of the full Pell grant of 5,550 a year and if you are a dependent sophomore, and HALF of a student Stafford loan of 6,500. The rest would be parent PLUS loans, and perhaps a small amount of work study. If you haven't applied for any scholarships (not need based aid) then you certainly won't get any. You have to actually APPLY to scholarships to get them and the fafsa isn't a scholarship application.

You must realize that most students do NOT however, get the full CoA covered... mainly because their parents don't want to borrow for them or can't afford to start making payments right away as parent PLUS loans require.

Also, "need based aid" isn't dependent on your SAT or your GPA, only you being poor. Just because your EFC is zero does not mean you can afford this school, because unless you have about 20K in your bank account right now, you aren't going to get enough "need based" aid to cover everything. Not to mention for next year or the year after that.

You do realize that most schools, even 4 year universities, do not cost this much right? The highest ranked comprehensive school in my state only costs 5,000 a year... a YEAR!!!! OMG this schools is 55K a year... a YEAR!!! LOL

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