After you've been accepted at a college, don't be afraid to negotiate with the school about a financial aid package.
Those costs reflect a trend among private American universities--charge a stratospheric tuition fee, then offer a generous financial aid package.
Because the school knows that the family is locked into that place if the child is accepted, the school can low-ball the financial aid package that accompanies the acceptance letter.
In particular, a financial aid package for Poland should avoid transferring credit risk from private commercial banks to Western governments and taxpayers as a way of covering and thereby encouraging loans from private credit markets.
All of these institutions have pledged to provide every incoming student for the 2013-2014 school year with easy to understand information as part of their financial aid package, and that includes these five elements I talked about: First, how much one year of school will cost them.
If you applied for financial aid, you should have received a financial aid award package along with the congratulatory admission letter.
And if borrowers place some of the withdrawal from a home-equity loan, a line of credit or cash-out refi in a bank or brokerage account, it will likely lead to a smaller financial-aid package for the next academic year.
Finally, one of the little known secrets about financial aid is that the package offered to families is not engraved in stone.
Many colleges describe loans as "financial aid" or obscure the fact that the aid package includes federal loans to be taken out by parents.
College financial aid officers have considerable leeway to adjust the package they award you.
St Andrews University said it would, however, offer "a wide-ranging package of new bursaries, scholarships and financial aid".
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