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Does anyone from NJ who is going to attend Temple University as an undergrad have any suggestions for financing the tuition there? Our daughter is accepted and has had her heart set on going to Temple for several years. She did attend community college in NJ for one year to save on tuition and Temple is giving her $2500 in scholarship money. But this pales in comparison to the $34,000 it's going to cost to send her there. Because PA and NJ have no reciprocal agreement for state aid like some states do, it seems there is no way around this but to get loans. I've read many books by financial aid counselors who claim you can negotiate a better tuition with the colleges and you shouldn't pay sticker but I really have no idea how to actually do this. Any help would be greatly appreciated!
Universities that get state funding are under pressure to (1) not raise in-state tuition and (2) accept lower funding from the state. Out-of-state tuition is one place they can try to make up for the box they are in. You may have better luck with either one of your in-state institutions OR a private university. You can ask for more scholarship money, might not work but it can't hurt.
By the way, Temple is state-related, like Pitt and Penn State. The difference between this and state-funded is, well, complicated.
Does PA have a minimum residency requirement? Each state varies. Some states require that a person lives there for
one year and then they can receive the in-state tuition.
You or her might not want to hear this, but unless she has a specific and compelling reason for wanting to go to Temple, then I would steer her away from it.
The state schools in NJ are on par with Temple if not better and cheaper. If you had the $ to send her, then that'd be your decision. If it was my daughter and she wanted to take on the loans all by herself, then, I'd strongly advise her against it. But that is just one poster's opinion. Take it with a grain of salt. BTW, has she ever visited Temple and the neighborhood?
In practical terms though, you can establish in state residency, but for most colleges you have to be living in the state and working FT for at least a year or two. So, that will be very tough if she is a student as well. But some colleges are more lax on that. Speak to the relevant department at Temple.
She probably would have gotten more aid/merit money had she started there as a freshman. About the only way to save costs on out of state tuition is to move to that state or have her gain residency. Some states are easier than others to do that, however.
Our daughter is accepted and has had her heart set on going to Temple for several years.
Have her unset it?
Quote:
Originally Posted by NJSeaStar
it seems there is no way around this but to get loans.
Or not agree to pay.
It's your money, but I personally have no plans to go into debt so my children can go to their 'favorite' school. We have a set budget we invest every month, and that plus whatever financial aid they can get will be it. There are no loans for retirement.
Does anyone from NJ who is going to attend Temple University as an undergrad have any suggestions for financing the tuition there? Our daughter is accepted and has had her heart set on going to Temple for several years. She did attend community college in NJ for one year to save on tuition and Temple is giving her $2500 in scholarship money. But this pales in comparison to the $34,000 it's going to cost to send her there. Because PA and NJ have no reciprocal agreement for state aid like some states do, it seems there is no way around this but to get loans. I've read many books by financial aid counselors who claim you can negotiate a better tuition with the colleges and you shouldn't pay sticker but I really have no idea how to actually do this. Any help would be greatly appreciated!
The way you should have dealt with this was when she started looking at colleges in HS. State U's rarely give money to OOS students unless there is something very unique about them and/or they are outstanding students. No, you cannot get in-state tuition at Temple. Your (very high) taxes in NJ help support your colleges just as our taxes in PA support our colleges. To get in-state tuition you generally have to move your whole family when your to-be college student is a Junior in HS.
Another strategy is if she has a merit offer from another college and can show that to the financial aid department at Temple. I would definitely contact the finaid office and ask if they can find some more money for her as a last ditch effort.
If you have another child, the thing to do is tell them right off the bat how much you can afford BEFORE they apply. That encourages the search for colleges that are lower priced and offer good merit aid.
Is there a Western University Exchange program for the East Coast? Typically these offer lower prices for majors though it would limit what majors you can take (my experience from friends who went through the WUE option at my alma mater.)
Is there a Western University Exchange program for the East Coast? Typically these offer lower prices for majors though it would limit what majors you can take (my experience from friends who went through the WUE option at my alma mater.)
Does anyone from NJ who is going to attend Temple University as an undergrad have any suggestions for financing the tuition there? Our daughter is accepted and has had her heart set on going to Temple for several years. She did attend community college in NJ for one year to save on tuition and Temple is giving her $2500 in scholarship money. But this pales in comparison to the $34,000 it's going to cost to send her there. Because PA and NJ have no reciprocal agreement for state aid like some states do, it seems there is no way around this but to get loans. I've read many books by financial aid counselors who claim you can negotiate a better tuition with the colleges and you shouldn't pay sticker but I really have no idea how to actually do this. Any help would be greatly appreciated!
Moving to PA might not even help,as in general you have to be there for a purpose other than attending school.
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