Parent Plus Loan Application - Virginia State University: Fill & Download for Free

My sons graduated college in 2013 and 2014.Therefore, in 2007, anticipating that in 2008 the college application process would start, I sat my two sons down, one a first term junior and the other a first term sophomore and “Had the Talk: (I had already used some college and the FAFSA net-price calculators)“We can afford to send you to some range of out-of-state Public universities. Rutgers and Purdue and Virginia Tech, etc are Public universities. If you want to attend a Private university you will need to either present us with cost-effectiveness plan that shows us why attending that Private university is more effective than attending one of the many Public universities either in our state (Massachusetts) or some other state. Additionally, you each will be required to pay for $18,000 in Federal Stafford loans upon graduation and you each will have $25,000 in Federal Stafford loans and I will pay for the $7,000 difference, as the Stafford loan rate is much better than a parent PLUS loan rate.”{I had attended MIT for both undergrad and grad studies and my wife had attended BU and Northeastern for undergrad and grad studies. But when we had attended college in the 1970’s Private colleges were Easily affordable…..}I then asked them to come back to me and tell me what they were interested in studying. One said Mechanical Engineering and the other said Management but only at a top 25 undergraduate business school, because he wanted to have a job and make money. {Chalk one up for him}I then sat down with them and put together plans to visit colleges during the April vacation week in 2008. Since I also am a college soccer referee, my sons had visited a whole bunch of colleges in Massachusetts and New England with me over the years. I said: “Visiting before applying, we will only go one day’s drive from Boston area.” We put together a trip centered on Philadelphia, and made it a joint vacation and college tour trip. The eldest son narrowed his acceptances to WPI, Drexel and University of Delaware. I didn’t have to worry about cost, because he Loved the thought of being a Fighting Blue Hen so he chose the affordable Univ of Delaware with its wonderful Mechanical Engineering Department and Composite Materials Lab.The other son narrowed his choice to the admissions to College of William & Mary, Univ of Maryland and Villanova. He didn’t have to present a cost-effectiveness assessment to me, since Villanova wanted him so much that they brought the net price down to slightly less than U Delaware. Easy. Maryland was a bit too big for his liking, and William & Mary was too isolated (Dad, Colonial Williamsburg will get old really fast…..) I knew he would make it in business….So, that was that. One became a Fighting Blue Hen and the other became a Wildcat and they ended up 40 miles apart and assisted each other in college. Great.They each graduated with $25,000 in student loans, I paid off the first $7,000 plus interest on that of each and they paid the rest (one is finished and the other is almost finished).One has a great Mechanical Engineering job and the other a great Business/Finance job and are comfortably living on their own, not too far from the Boston area.It works if you sit them down and Have the Talk.{Their other option was moving out and enlisting in the military, or if we did Not like their college plans, merely Moving Out. They were told when they were 13 and 14 that when they turned 18, they were to Move Out and could come back for holidays.}Have the Talk when they just become teenagers……

Here’s a little backstory I’m a high school Senior in Maryland that went to a medium-sized high school. I am a first-generation American as both of my parents migrated from Jamaica. I applied to 20 colleges (well finished 20 applications) and was accepted in 10 waitlisted by 3 and rejected by 7. Almost all of schools were a reach because of my test scores but it never hurts to try.UWGPA: 4.0/4.0WGPA: 4.57/5.0Class Rank: 2/252AP Classes Taken: APUSH (2); APWH (5); AP Lang (4); AP Psych (2); AP Art 2-D (currently taking); AP Microeconomics (currently taking); AP Literature & Composition (currently taking); AP Comparative Politics (currently taking); AP Spanish Lang (currently taking) AP Calculus (currently taking)Test Score Submitted: 25 but super score 26. Honestly I am a horrible test taker and I studied yet still did bad I think it’s because I kept telling myself I was going to fail but I applied as a history major and my English (28) and Reading (29) subscores were pretty good so I guess they overlooked those atrocious math & science scores. I didn’t take the SAT because it looked complicated I thought I had a better chance with the ACT. I regret it.Extracurriculars:Varsity Soccer (2 years)Varsity Lacrosse (3 years)Mock TrialMath Honors SocietyNational Honor SocietyStudent Government AssociationKey Club SecretaryPathfinders Club (church)Youth Research Community Project (community organization)I have a part-time job at a restaurantInterned for my government in 2018Safeties:Wingate University (accepted): full-tuition scholarship + grantsUniversity of Lynchburg (accepted): $24,000/ yearTuskegee University (accepted): pending fin aid packageMount St. Mary’s University (accepted): full-tuition scholarship. Before March I swore I would end up going here or Syracuse.Match Schools:This literally made no sense to me but whatever.American University (waitlisted): I thought I was going to get in but no I was hurt.Syracuse University (waitlisted): I was shocked like literally shocked. I only applied because I was sure of getting in, however this application process taught me to expect the unexpected.Howard University (accepted): My favorite HBCU so I had to apply and my test score automatically nominated me for a full-tuition scholarship!Reach Schools:Now that I think about it… this is embarrassing lol.Harvard University(rejected): I Applied EA before seeing my test scores lol I knew I was going to do bad but not a 25 bad. As the schools I wanted to go to have averages of a 32+ ACT.University of Chicago (rejected): I applied EDII thinking I only didn’t get into Harvard because of my test scores so I applied here test-optional… I guess there’s more to it in the application process.Stanford University (rejected): A friend of mine encouraged me to apply because he got in with a 1260 and thought my supplements were good.Wesleyan University (rejected): Just another test-optional school I did research on and thought I should apply.Cornell University (rejected): They contacted me back in september as they received my scores from the ACT search thing and wanted me to apply Early Action but I didn’t want to be locked into Cornell so I opted RD. My theory is that they did this to lower their acceptance rate.Georgetown University(rejected): Besides Harvard… this is the one that hurt me a lot as I thought my interview went well and I know they accept applicants on the lower end of the spectrum.Case Western Reserve University (accepted): I received a scholarship for $25,000 a year + grants and federal aid so my net cost was $1000! (COA is over $60k so they have amazing aid)University of Miami (accepted): I applied because I have family in florida but I was disappointed as I only received a $16,000 scholarship when their COA is $73000 but apparently my fin aid application wasn’t complete and they didn’t notify me until I after I was accepted.George Washington University (accepted): I received a $20,000 scholarship/year plus grants and federal aid and they renegotiated my fin aid package so my COA was $0!University of Virginia (accepted): This was the biggest surprise and such an honor. Definitely my top 2 but the school has real issues as a POC and the campus is large … I didn’t even think I was going to get in as their out of state acceptance rate is I believe around 18%. I received a very generous fin aid package that covered my COA with minimal loans.Wake Forest University (accepted): I applied as it was a great school that didn’t require test scores. I received a full-ride from scholarships and grants. This is also in my top 2.I’m actually okay with my results… not the best and not the worst but I just wanted to share so you guys could know that test scores aren’t everything! Even if you aren’t in a certain schools range … still apply!

Do not feel very badly.Just before I finished grad school I shot a resume to South Africa and this was just after the election of Mandela. They wanted more majority black citizens.No problemo.Many people would say let employers be free to choose. We used to call that discrimination. At least when allowed to go to an extreme. It is way too easy.Some groups in the USA, and I mean U.S. citizens by birth, although there is almost no legal difference between naturalized and born citizens (14th amendment) are deeply marginalized.Retire that old bas***d.Get that workaholic nerd (Asperger like me) out of here, he works too hard to socialize.Workers would rather socialize on the job and get paid for it. We used to have happy hour after work for that!Now, a U.S. citizen is eligible for certain income contingent benefits without regard to education or experience. For example I once had West Virginia food stamps. I have almost free West Virginia health care now and the possibility of West Virginia paid training to update in my field. This is because Aspies are 85% underemployed, or not employed at all. We seldom fit mental categories that come naturally and unconsciously to most Americans.And we, and many dreamers as well, certainly received heavy education benefits. Mandatory free education to age 16, usually eleven years from kindergarten to grade 10.Optional free education to high school graduation, usually age 18, the other two years of high school.You or your parents must find college tuition somehow. At the very least, when you work minimum wage for the institution, the government pays 80%! Before your first undergraduate degree, you are eligible for grants paid outright. In later education, or to supplement your first Bachelor's, the government loans are capped at a certain level and the government eats the interest for a specified time if you are unemployed or being rehabilitated. In 1999 the state of Maryland (which borders West Virginia) gave me six months initial computer training worth 22 community college hours, after my Masters. But my Master's in the opinion on the bureaucracy had flatly failed despite three dozen interviews. That is high functioning autism for you.When they taught me 22 hours in a self enclosed campus environment, including room and board and recreation, they believed the only way to hire some very intelligent people with disabilities was to target fields, like computer programming then, that employers did not have alternatives for. It worked but the field is not as advantageous as it was.And every state affiliated college, community college or university at every education level receives state and Federal funding so the costs are less than they would be.I did a report on Federal student aid. Born and naturalized citizens, permanent residents and refugees among others are eligible. Student visas are on their own.Now if you want to run a nation like a business, you don't want your lifelong investment working as unskilled labor in some WV distribution center that shall remain nameless. It would be like, hey, the patient is bleeding out, shall we stop the bleeding? No, we don't care about the blood the patient has. Just clean it up and we will find someone else's blood to drip in.That is what was eating East Germany. All the free education and health care, plus welfare when applicable, and where were their citizens, soldiers and workers going? Out. Build a wall to keep them in.Now it was OK for East German retirees to go West. Forfeit your pension. Knock yourself out.The blunt truth is that nations owe protection and benefits to their existing citizens and may not extend citizenship to newcomers. They see citizenship as an investment and a responsibility. But not citizens elsewhere.We hope eventually, combined with responsible voluntary reproduction levels and doing right by training the citizens we get, to align population with labor demand, to knock down unemployment in our country, and also knock down underemployment by eventually forcing our employers to recruit at home.We think a lot of disability benefits and unemployment and welfare is needless and costly to everyone. Also bear in mind this country's Federal government is not just 20 trillion dollars in debt, but when you factor in what we “borrowed” from the Social Security (replacement for pensions) trust fund, it is well over 50 trillion dollars.Washington DC (black) deceased former mayor Marion Barry reflected how instead of Filipinas, it should be local women in nursing training. That isn't racism. Perhaps sexism. That is common sense.People in other places are not the enemy. Just our disgraceful imbalance between population and labor demand and how we subsidize dependency.The only thing I have to say about populations outside America is that every person, everywhere, is some government's investment and responsibility. They have needs for an entire life. Employment is a definite human need to feel one serves a purpose, to have one's abilities recognized and rewarded, and be connected to others. It is more than a check. Nobody asks to be born or to suffer a lack of needs.I did not ask to be intelligent, autistic, ridiculously underemployed, genetically male (says 23AndMe) and identifying and appearing as male, straight, of certain British German and Scandinavian European background, middle middle-class, born in 1970 in America/Washington DC, and growing up to almost adulthood within 20 miles, either.It is well understood by American middle and upper classes that responsibility means keeping one's numbers down. When procreating, be smart not sentimental.Short answer.We were here first andwe received state and Federal government investments that would make your head spin. Not the least of which is mandatory education to age 16, voluntary free education through high school, subsidies to state higher education institutions, Federal student loans grants and employment, etc.On top of that, I received Federal employee/retiree (Dad Social Security Administration and later I worked for Census Bureau) health insurance for 27 of my 48 years, Medicaid/health insurance for the poor when unemployed, vocational rehabilitation for Asperger/an Associate's of Science degree on top of my Master's, food stamps once, deferments on student loans for unemployment and rehabilitation, and some tax refunds from the Earned Income Credit/the poorest get some refunds, parents get bigger refunds.And never mind I paid taxes for 30 years, was explicitly on file for a potential military draft until age 26, and statutorily obligated until my 46th birthday as a member of America's unorganized militia (men of a certain age and female volunteers according to Federal law).You tell me who has longer roots in America, me at age 48 since birth, or somebody who arrived last week. I've got roots like those big sequoia trees. He has roots like grass on the front lawn.It isn't like our underclass can just walk to another country and work. America's unemployment is America's problem. Unemployment where immigrants come from?Not.I seriously suggest regulating foreign countries' fertility to stay in line with their labor market needs. We in America, Duggars notwithstanding, have learned to make only the kids we can afford. Mom was stuck in bed both pregnancies to prevent miscarriage and premature labor. You can't be a mom lying on your back nine months. She had her tubes tied.