I am thinking about taking a few CLEP tests to ease with the finanical cost of school my EFC is 14613 - ouch!!
915785
Each school will have a limit of how many CLEP credits you can apply to your degree.  I highly agree with your mentality.  \n\nBEWARE some of the requirements of different schools will not count CLEP to satisfy the University requirements.  English is a good example.  Some schools will not allow your English CLEP to satisfy your requirement in English.  You will get the credit for the English class so you will have to take a harder English class because they won’t let you repeat that course for credit if you have CLEPed out of it.  \n\nUse your CLEPs wisely. \n\n Also don’t CLEP out of classes in which you plan on taking follow-up classes.\n\nI CLEPed out of 19 credit hours I think my school only allows 30 credits anyway.
513738
Have you checked at the financial aid office? They would know exactly what you would qualify for. Also make sure to fill out fee waivers each and every semester. Congratulations on your sobriety and good luck with your education. You have A LOT to be proud of and grateful for!
1025837
According to collegeboard: $33,420
699454
Not really.\n\nYou should aim for at least 700 a piece for each section, and each test.
471409
That number means that your Expected Family Contribution is $0 (put another way, this means you are a "full need" student).  \n\nHowever, it should be emphasized that this does not mean that 100% of your schooling will be paid for. Many FAFSA applicants mistakenly believe that a $0 EFC (or very low EFC) means that the school or the government will cover the remainder.  This is not the case.  Most colleges do not have the means to meet all their students' full need through scholarships, and almost all of the Federal awards have limits that often fall short of tuition costs. \n\nHere is a sample financial aid package for a $0 EFC student (this assumes that you are a first-year dependent undergraduate student):\n\n-- $2,626 Stafford Loan\n-- $4,050 Pell Grant\n-- up to $4,000 (max.) Perkins Loan *\n-- up to $4,000 (max.) SEO Grant *\n-- a Federal Work-Study Award (FWS) -- from as low as a few hundred $ up to your unmet need *\n\n* {These funds are allotted at the school's discretion. These days, there is never enough SEOG, Perkins, and FWS to go around, so it is uncommon for schools to award students to their maximum eligibility.  While a student *could* be eligible for a great deal of Work-Study, most schools impose limits of a few thousand at most.}\n\n-- Your home-state may offer additional grants/loans to their residents. These awards are based on financial need, but check the criteria before expecting these funds to be part of your package. \n-- scholarships from your school (amounts very greatly and may not be based on your financial need but, rather, academic performance, etc.)\n\nLook at these awards in light of your tuition costs.  If you are planning on attending a low-cost school, it is possible that your financial need will be met with this package.  However, the average undergraduate student's financial aid package won't meet the cost of a private school education and you will need to seek out private/outside scholarships, appeal for additional scholarship from your school, or borrow a non-federal loan to supplement your aid package.\n\n{Just in case you aren't an undergrad... As a grad student, your $0 EFC would make you eligible for up to $18,500 in Federal Stafford loan funds and up to $6,000 in Perkins loan funds.  Graduate students are not eligible for Pell or SEOG.}
609493
I am 29 yrs old and only a high school graduate.  I only make 40k.  I will be returning to school in the fall and I think it is more than worth it.  I wish I would have went back earlier, but was unable to do so.  Now I'm jumping at the chance!
19260
Estimated Family Contribution.  That is your "FAFSA Score".  It is what you and your family "should" be expected to pay per year for your college experience.  The amount of financial aid you qualify for is typically the total estimated cost of the year of education minus the EFC.\n\nLower is better, but don't freak out if yours is high.  Colleges muck around with the estimated cost of education, regional cost of living differences, etc, to maximize the amount of aid they can offer.\n\nRun, do not walk, to your school's financial aid counsellor and see what they can do for you.\n\n947 is a pretty low number for most schools.  You can probably expect some fairly decent offers of aid.
422888
Did you at least get *something?*  If you got something and it simply wasn't enough, there are any number of reasons why you didn't get enough.\n\n1.  Loan/grant limits.  It is possible that, even if you have been given everything they have to give, the funding just doesn't exist.  Every federal program has limits.  Pell grants are capped at $4050 for full-time students; Stafford loans are capped at $2625 for Freshmen; Perkins loans and SEO Grants are capped at $4,000 for undergrads (and not all schools can offer Perkins or SEOG, and those who CAN often don't have enough of it to give the maximum).\n\n2.  Dependency status.  If you are an undergrad, are under 24, are unmarried (without kids), and are not a veteran or an orphan, you have to include your parents information on your FAFSA.  Your EFC, which is used to determine your eligibility for aid, is based on the income and assets of both you and your parents.  If your EFC exceeds the cost of your attendance, you probably aren't eligible for much more than an Unsub. Stafford Loan.  To find out what your EFC is, check your FAFSA results (on the SAR or "Student Aid Report" that you would have received after you filed the FAFSA) or call your Financial Aid Office.\n\n3.  Your enrollment status.  Many financial aid programs are limited to half-time or full-time students.  If you're not taking enough credits, you might be eligible for a lot less than a student taking a full credit load.\n\n4.  Accreditation.  It's possible that your school isn't allowed to administer student aid programs, or that they are only allowed to administer *some* of those programs, like Pell and Stafford only.\n\n5.  You might have made an error on your FAFSA that makes you look more wealthy than you are.  This happens a lot but can be corrected.  Go over your FAFSA results carefully to make sure that you didn't add in any numbers that shouldn't be there.\n\nNot every school has the means to meet every student's financial need. You or your parents can borrow a PLUS loan or a private loan to cover what your Federal and institutional financial aid package does not cover.  Visit this site for a list of reputable education loan lenders: http://www.finaid.org/loans/privatestudentloans.phtml
236004
did u fill out your fasfa and they didn't even give you a loan option? have you talked about it with your school? I would first ask my school and listen to what they have to say because they typicaly know all the answers to that. I would also try for scholarships which can be found in great numbers at Fast web. hopefully this is somewhat helpful
1166418
Yes.\nYou cannot, in any time, get more than your tuition costs minus EFC* unless you have a full scholorship.  This could happen because you recieved more private scholorships than you planned, or your parents make more that you originally stated.\n\nSo the school typically starts out with private scholorships you've won.\nThen they go to their "standard" scholorships they give, which may change depending on the former.\nThen to fill in the rest the government aid is put in place...the money between the EFC and what the scholorships came to.\n\nYou may also have accidentally opted out of things such as work study.  Work study is usally a VERY easy job and no one should ever opt out if they qualify.\n\nIf for some reason your parents won't be making so much (eg, dad got a bonus for retiring, mom is going to go voulenteer and isn't making money, getting a divorse) talk to your advisor about a hardship review.\n\n*EFC-expected family contribution, eg. how much you and your family are expected to contriube per year to your education.
185041
I have a ton of thoughts, but one piece of advice that has always helped me. If you go looking for loans and aide and someone tells you no, keep looking, there is always another door to open. If you put your mind to it, you can finance you college career on your own. I did it. I went to a private university at the tune of $28,000 a year and paid for it all on my own through aides and loans. Good luck!
218383
Go to collegeboard.com there are study tips and all sorts of information regarding CLEPS..hope this helps.
233208
Lower efc.  Higher efc suggests that you are more capable of affording the cost of tuition.
387388
No Not really is you have a few years of high school behind you.  If you want to get prepaired at home go to a book store and get the study guide.  there are many out there and cost between $5-20.  If you want to go to a community college you need a score of 225 or better.  So study really helps.
962301
personal you will have a higher apr because you dont have colloidal.  look at student loan options it will be better
473516
All you should have to do is file the FAFSA and include your school's "school code" on it; once you do that, they can get the results themselves.  Did they ASK you for a printout?  \n\nI tend to be wary of Financial Aid Offices that require their students to bring them paper copies of their FAFSA results. Your school should have a computer system that allows them to download your FAFSA results directly (see the link below for the rules on "Administrative Capability").  Moreover, a good school will want to see more than just your EFC -- there is a lot more to your FAFSA results than that. \n\nIt seems that you've done everything right; just make sure your school is doing the same.
647016
File for the FAFSA.  One of the questions asks if you are a ward of the court or an orphan.  This gives you the same status as a single parent which (at least in my experience working with students) gives you an EFC- expected family contribution- of 0.  While this doesn't guarantee you a full ride, it does put you in line for all the school scholarships, grants, and great loans (as opposed to crappy bank loans.)  Visit fafsa.ed.gov to apply.  Also, I recommend fastweb.com for scholarship searches.  Hope this helps.