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Messages - Kait

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Acceptances, Denials, and Waitlists / Re: In at Syracuse?
« on: February 20, 2005, 10:55:02 AM »
They send you a postcard with the info to access the admitted students site a day or two after your acceptance comes.

Law School Admissions / Application Activity on Saturdays
« on: February 19, 2005, 11:33:37 AM »
Are law school admission offices and/or admission committees active on Saturday? (ie. - do they review apps, send email decisions, etc.)

Acceptances, Denials, and Waitlists / First Acceptance! Syracuse
« on: February 18, 2005, 11:46:43 AM »
My acceptance to Syracuse came today! First one, and a big relief.

Law School Admissions / Re: EFC after FAFSA
« on: February 06, 2005, 06:08:27 AM »
Hi guys. I just wanted to mention that if you cannot pay the amount of EFC generated by the FAFSA you can always take out private loans to cover that amount. You just can't get government loans to cover your EFC as the FAFSA determines eligibility for need-based aid (which is what gov't aid is). So if the FAFSA says you should contribute some crazy amount that you a)spent on living this year or b)will certainly not be making next year as an unemployed, full-time law student, you can still get all your money in loans (up to your school's annual budget) if need be.

I am not currently reading these, but really wanted to mention them if anyone is looking for a good book:

White Teeth by Zadie Smith
Illywhacker by Peter Carey
The Bone People by Keri Hulme
Stones from the River by Ursula Hegi

While I think it is thoughtful of you to take into consideration those who may be waiting for a spot at one of those schools, I would definitely suggest either a) waiting until you get an acceptance from a school you'd really consider going to or b) withdrawing those apps and hanging onto at least William and Mary just to be safe. You did earn those spots, so don't shoot yourself in the foot if something should turn out differently down the road. Congrats on the acceptances, by the way!

I've heard rumors that as it gets later in the application cycle, schools tend to rely more heavily on their index when reviewing applications and give less consideration to "soft factors" like PS, recs, WE because of the volume of applications with which they are dealing and the associated time crunch.

Do you think there is any truth to this?

Jumboshrimps - Oops, I should have clarified. Under #3 when I described private loan eligibility, I should have mentioned that if your calculated EFC is an amount that you just can't cover through savings, etc. you can borrow that amount through private loans as well (so you can add that amount to your total private loan eligibility). You can't, however, borrow through private loans an amount that would make your total aid (Staffords + privates) equal more than your school's annual budget -- because the loans are supposed to be used only for education-related expenses (tuition and living.) This is to make sure people don't borrow more than they need for their education and use it for other things (a car or something).

Also, in response to the parents' info. question on this thread -- I did not want to include my parents' info on the FAFSA because I knew it would increase my EFC and decrease my eligibility for aid. So I called each school's financial aid office and asked if they required parental information on the FAFSA. For me, all said no. However, some said that while I don't have to include it on the FAFSA, they ask for it on their application and use it only to determine eligibility for need-based aid from the school (not from the government or private).

I think this is how it works:

1) Complete the FAFSA and receive your Student Aid Report with your EFC.

2) Calculate: School's annual budget - EFC = eligibility for aid.

So, with an annual budget of $40,000 and an EFC of $10,000

$40,000 - $10,000 = $30,000

You are eligible for $30,000 in financial aid.

The first place to go for aid is always the government - ie. Stafford loans. There are two types - subsidized [the gov't pays your interest while you are in school] and unsubsidized [you pay your interest while in school - you can get this deferred until you graduate, though]. The max any student can get in Stafford loans is $18,500 ($8,500 is subsidized and $10,000 is unsubsidized).

3) Eligibility for aid - government aid (Stafford loans) = private loan eligibility

So, $30,000 - $18,500 = $11,500

You are eligible for $11,500 in private loans.

4) Apply for Stafford loans.

5) Apply for private loans.

The main confusing part for me was that my FAFSA and school financial aid applications were not actually applying for aid. Those applications are simply to determine eligibility for aid. Once that is determined, you still have to apply for the aid for which you are eligible. At some schools, after they have received your FAFSA info. and financial aid app., they will send you an award letter indicating eligibility and also including forms to begin applying for the loans for which you are eligible. (Often with detailed instructions). At other schools, the financial aid apps have a spot where you can check off and the school will initiate the loans (Stafford or private) for you upon receipt of your FAFSA and financial aid app (if you are eligible).

I applied to Syracuse and basically took the instructions to mean as long as necessary to get my point across (without droning). Since my other apps specified that they were looking for two pages, I just stuck with that for Syracuse. So....two pages double spaced is what they got from me.

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