Wednesday, April 25, 2012

Understanding Financial Aid: Not Easy

I have always wanted to know what it means when UC says that students would not have to pay tuition if their parents made less than $80,000 a year. So I went to the UCLA financial aid estimator, and I punched in a few variables, and here is what I found.

In the case of a family of four with an income of $75,000, here is what we get: Parent Contribution:
$10,860.00;
Estimated Award Letter
Grant Award:
$11,586.00
Self Help Award:
$9,200.00
Family Help Award:
$10,860.00

Estimated Total Price of Attendance
University Fees
+$12,685.00
Room and Board
+$13,980.00
Books and Supplies
+$1,509.00
Transportation
+$789.00
Personal
+$1,368.00
Health Insurance
+$1,225.00
Loan Fees
+$90.00
Total Cost of Attendance:
$31,646.00

So, the first thing you might want to know is what are “Self Help” and “Family Help” awards. I looked all over the web site and several other sites, and I could not find any definition of these categories. I then called the UCLA financial aid office, and after waiting several minutes on hold, I finally got a live voice, but this voice could not answer my questions, and so I was transferred to a supervisor. When I asked him what these terms meant, he said he thinks “self help award” refers to student loans and work-study aid, but he had never heard of a “family help award.” I told him that it is on his web site, but he responded that the federal government is requiring the university to put this information online, but they are not responsible for its content.

I am guessing that the family help award is a loan, but I really don’t know; however, what I do know is that while everyone talks about the high cost of tuition, the biggest driver of costs and student debt is housing and related expenses. It turns out that this issue tracks national data. In 1990-91, total tuition, fees, room and board at public universities averaged $5,585, and in 2009-10, this cost rose to $16,712, which represents an increase of $11,127. Meanwhile for community colleges, the total cost in 1990-91 was $3,467, and in 2009-10, it went to $7,703 for an increase of $3,403. During the same period, average tuition and fees for public universities rose from $2,159 to $8,123 for an increase of $5,964, while for community colleges tuition and fees went from $824 to $2,285 for a total increase of $1,461. This means that the biggest cost increases for public higher education concern room and board, but few people ever discuss this fact.

Next Week I plan to return to my last blog on how to make all public higher education free. I had to take it down because there was an error in my analysis.

49 comments:

  1. Allan Stewart-OatenApril 25, 2012 at 6:21 PM

    Please, Please, ALWAYS use inflation-adjusted dollars when comparing two years as far apart as 1990 and 2009, and say that you did. As it is, I don't know what your comparisons mean.

    ReplyDelete
  2. These statistics are in current dollars: http://nces.ed.gov/programs/digest/d10/tables/dt10_345.asp

    ReplyDelete
  3. I'm a bit confused on how the total cost of education + room and board in 2009-2010 was $16,712 when your total cost figure above lists $31,646 (with $13,980 for room and board alone)?

    ReplyDelete
    Replies
    1. Ada beberapa pengecualian untuk aturan ini. Jika saya di pertandingan persahabatan pokerbintang.com, jika saya di pertandingan duniatangkas.com kandang, atau bahkan jika saya dalam suasana hati yang santai dan bermain supertangkas.com dengan orang lain yang juga ada untuk "bersenang-senang" tidak "bisnis", maka saya mungkin menunjukkan beberapa ibcbetkita.net lebih tangan dari saya biasanya.

      Delete
  4. My blog discusses both national averages ($16,712 for public universities) and the UC estimated costs ($31,646).

    ReplyDelete
  5. This write up really evokes the thought behind this matter. Do we really think on the issue so intensely?

    ReplyDelete
  6. Chancellor says that instate tuition at public universities not high enough. University of California Berkeley (UCB) Chancellor Robert J Birgeneau is outspoken on why elite public universities should charge more. With Birgeneau’s leadership flagship UCB is more expensive (on an all-in-cost) than private Harvard and Yale. Cal. is the most expensive public higher education in our country!

    Birgeneau likes to blame the politicians, since they stopped giving him every dollar expected. The Chancellor’s ‘charge more’ instate tuition skyrocketed fees by an average 14% per year from 2006 to 2011-12 academic year. If Birgeneau had allowed fees to rise at the same rate of inflation over the past 10 years they would still be in reach of most middle income students. Increasing funding is not Cal’s solution.

    UCB is a public universities created to maximize access to the widest number of instate students at a reasonable cost: mission of diversity and equality of opportunity. Unfortunately Birgeneau’s ‘charge more’ instate tuition diminishes the equality and inclusion principles which underlie our state and country. Birgeneau’s and Provost George Breslauer’s senior management ‘charge more’ instate tuition denies middle income Californians the transformative value of university education.

    Chancellor Birgeneau’s tenure is a sad unacceptable legacy. University of California Berkeley is now farther and farther out of reach for the sons and daughters of Californians.

    Send your opinion: UC Board of Regents marsha.kelman@ucop.edu and your Calif. State Senator and Assembly member.

    ReplyDelete
  7. For most kids, the only way they will get a college education is by taking on tens of thousands of debt. Very sad.

    ReplyDelete
  8. ISO Consultants India:
    ISOConsultantsIndia is a Business Management Consultant that provides ISO Consultancy Servies in Delhi and All Over India.

    ReplyDelete
  9. The numbers make sense. The "family award" is the expected family contribution (however obtained), the "self help award" is the student working while going through college. the grant of $11,586 is real money. Sadly, although it may cover "tuition" it does not seem to cover "fees".

    ReplyDelete
  10. Nice list dear. Thanks for sharing it dear.
    Financial Aid

    ReplyDelete
  11. Hello, How do I get in touch with you? There is no email or contact info listed .. please advise .. thanks .. Mary. Please contact me maryregency at gmail dot com

    ReplyDelete
  12. The tax initiative does not pass, the figure goes down to buy an essay billion, which means we are down $1 billion from the funding level of 2007-8.

    ReplyDelete
  13. I would love to say that this is really a good blog post. Thank you for sharing this wonderful post, hope you can post more information about this.

    ReplyDelete
  14. Samsung is their biggest rival in the tablet industry and now Apple is apparently getting serious about fighting off this Korean threat by recruiting and paying their own small army essay for admission of Korean speakers to help in their legal fight.

    ReplyDelete
  15. I just wanted to comment on your blog and say I really enjoyed reading your blog here. It was very informative and I also digg the way you write! Keep it up and I'll be back soon to find out more mate.

    ReplyDelete
  16. Preschool children in terms of language, reasoning, cognitive, social-emotional and academic success. dissertation proposal Different studies have also reported varying of measurements of the preschool quality..

    ReplyDelete
  17. Thank you then for imparting us your knowledge. personal loan

    ReplyDelete
  18. Absolutely unique and fine piece of information. I've never spent that much time reading before but this is really awesome. App Marketing Online
    Android App Marketing
    iPhone App Marketing
    iPad App Marketing
    Mobile App Marketing
    App Store SEO

    ReplyDelete
  19. I seemed all over the website and several other websites, and I could not discover any meaning of these groups. I then known as the http://customessaywritings.org/ UCLA economical aid workplace, and after patiently waiting several moments on hold.

    ReplyDelete
  20. Fantastic write-up I enjoy your current document really like the way you explained everything, you are carrying out an incredible job a lot of people as you as a result of of which form of informative information sites offer attention to all of us associated with many points. We understand a few other intriguing sites out of your websites in addition to I'm a whole lot curious using your writing a blog knowledge, When i furthermore started to write blogs this also type information sites definitely support myself out and about. I currently book marked your current site in addition to propagated the sites to help the fellow workers not merely us yet all of them such as your blogging abilities, desire anyone compose additional exciting information sites like this a single and also best of luck for your potential blogs.

    Jimmy Wilson from Mass Effect Costume

    ReplyDelete
  21. Nice post, I bookmark your blog because I found very good information on your blog, Thanks for sharing more information
    Quality Services & Training Pvt.Ltd.

    ReplyDelete
  22. Hello, I've been looking through the weblog a pair of times and basically needed to say that the way with phrases is best notch. All the best. Airport Taxi

    ReplyDelete
  23. Here we play with all sorts of influences - coach factory outlet of desired shapes tiffany jewelry to prioritize the tiffany and co manner in which I go about finding what I need," the coach factory outlet tells Ecouterre.More than 1,000 runners began the race.Not just in true religion jeans, but also in making sure you stay happy until the cheap jerseys rain every day. Hey, $350 is way less than those coach outlet. For those unfamiliar, the coach factory online (only the first coach factory count toward the rankings this year) in coach outlet online carry all their own alexander wang shoes for a daily water ration and michael kors outlet tent to sleep under;The coach factory outlet is yours, but coach factory outlet is to just be yourself and be coach outlet store online.The sleek ensemble came on show through sac burberry. Choose from brands like Bernardo, michael kors outlet and others.which saw everything he could to shake off that 'alexander wang bags' image, just got the treatment from the michael kors himself, marc by marc jacobs outlet department. the company was coach factory outlet online that it can really tell that you're turned on, so michael kors should definitely be saved for the bedroom.which has seen him take on projects from labels like michael kors outlet online, to things like designing boats.

    ReplyDelete
  24. http://www.burbagssale2013.com/ Burberry Outlet
    http://www.cheaphollistersale.co.uk/ Cheap Hollister Clothes
    http://www.coachblackfriday2014.com/ Coach Black Friday
    http://www.coach-storeoutletonline.com/ Coach Black Friday 2013
    http://www.coachcoachoutlet.com/ Coach Cyber Monday
    http://www.coachxfactory.com/ Coach Factory
    http://www.coach-factoryoutletonline.net/ Coach Outlet Factory
    http://www.coach-outletusa.com/ Coach Outlet USA
    http://www.coach-pursesfactory.com/ Coach Purses Factory
    http://www.coachpurseusa.com/ Coach Purses USA
    http://www.coach-storeoutlet.com/ Coach Store Outlet
    http://www.coachxpursesonsale.com/ Coach Purses On Sale
    http://www.discountbeatsbydresale.com/ Monster Beats Outlet
    http://www.louis-vuittonblackfriday.com/ Louis Vuitton Outlet
    http://www.lv-guccishoesfactory.com/ Louis Vuitton Factory
    http://www.marcjacobsonsale.com/ Marc Jacobs On Sale
    http://www.mcmworldwides.com/ MCM Outlet
    http://www.mcmoutlet-jp.com/ MCM 店铺
    http://www.oakleysunglassesfactory.com/ cheap oakley sunglasses
    http://www.michaelkorsmas.com/ Michael Kors Outlet
    http://www.michaelkors.so/ Michael Kors Outlet
    http://www.michaelkorsfactory-store.com/ Michael Kors Factory
    http://www.michaelkorsoutletr.com/ Michael Kors Outlet
    http://www.michael-korsfactoryonline.com/ Michael Kors Factory Online
    http://www.newcoachfactory.com/ Coach Factory Outlet
    http://www.north-faceoutletonlines.net/ North Face Outlet Online
    http://www.polo-outletstore.com/ Polo Outlet Store
    http://www.ralphlaurenuker.com/ Ralph Lauren UK
    http://www.saclongchamppairs.com/ Sac Longchamp Pairs
    http://www.tcoachoutletonline.com/ Coach Outlet Online
    http://www.the-coachfactoryoutlet.com/ Coach Factory Oultet
    http://www.uggaustralia.cc/ Ugg Australia
    http://www.barbour-jacketsoutlet.com/ Barbour Jackets Outlet Online
    http://www.canada-gooser.com/ Canada Goose Outlet
    http://www.guccishoesuk2014.com/ Gucci Outlet Online
    http://www.michaelkors-states.com/ Michael Kors Outlet
    http://www.moncler-clearance.com/ Moncler Clearance
    http://www.moncler-jacketsoutletonline.com/ Moncler Jackets Outlet Online
    http://www.northsclearance.com/ North Clearace Outlet
    http://www.polo-ralphlaurensoutlet.com/ Polo Ralph Lauren Outlet Online
    http://www.woolrich-clearance.com/ Woolrich Clearance
    http://www.cvshopfactory.com/ shop.coachfactory.com
    http://www.mksfactoryoutlet.com/ Michael Kors Factory Outlet
    http://www.zxcoachoutlet.com/ Coach Outlet Online USA
    http://www.thebeatsbydre.com/ Beats by Dre
    http://www.newoutletonlinemall.com/ Coach Purses Outlet Online
    http://www.clickmichaelkors.com/ Michael Kors USA

    ReplyDelete
  25. I was very encouraged to find this site. I wanted to thank you for this special read. I definitely savored every little bit of it and I have you bookmarked to check out new stuff you post. shoers |

    abortionstatistics |

    kellyllorennacd |

    matthewsawyer |

    chris-burke |

    restaurant123 |

    londonspeaker |

    rioscoffee |

    bikesandboards |

    flevoservice |

    ReplyDelete
  26. Nice post, I bookmark your blog because I found very good information on your blog, Thanks for sharing more information. YTZ Airport

    ReplyDelete
  27. http://www.shopbestgoods.com/
    http://www.nike-jordanshoes.com/
    http://www.beatsbydreoutlet.net/
    http://www.michaelkorsus.com/
    http://www.polo-tshirts.com/
    http://www.northsclearance.com/
    http://www.ralph-laurensale.com/
    http://www.gucci-shoesuk2014.com/
    http://www.michael-korsusa.com/
    http://www.polo-outlets.com/
    http://www.ralphslauren.co.uk/
    http://www.marcjacobsonsale.com/
    http://www.mcmworldwides.com/
    http://www.salongchamppairs.com/
    http://www.canada-gooser.com/
    http://www.burberryoutlet2014.com/
    http://www.michaelkors.so/
    http://www.hermes-outletonline.com/
    http://www.oakley-sunglassoutlet.com/
    http://www.north-faceoutlets.net/
    http://www.moncler-clearance.com/
    http://www.woolrich-clearance.com/
    http://www.barbour-jacketsoutlet.com/
    http://www.moncler-jacketsoutletonline.com/
    http://www.monsterbeatsbydres.net/
    http://www.louis-vuittonblackfriday.com/
    http://www.lv-guccishoesfactory.com/
    http://www.mcmoutlet-jp.com/
    http://www.cheapdiscountoutlet.com/
    http://coachoutlet.iwopop.com/
    http://www.coachsfactoryoutlet.com/
    http://www.coach-blackfriday2014.com/
    http://www.coach-storeoutletonline.com/
    http://www.coach-factorysoutletonline.com/
    http://www.coachccoachoutlet.com/
    http://www.coach-factories.net/
    http://www.coach-pursesoutletonline.com/
    http://www.llouisvuitton-factory.net/
    http://www.coach-outletsusa.com/
    http://www.mksfactoryoutlet.com/
    http://www.zxcoachoutlet.com/
    http://www.mischristmas.com/
    http://www.misblackfriday.com/
    http://www.bestcustomsonline.com/
    http://www.newoutletonlinemall.com/
    http://www.clickmichaelkors.com/
    http://www.cmichaelkorsoutlet.com/
    http://www.ralphlaurenepolo.com/
    http://michaelkorsoutlet.mischristmas.com/
    http://mcmbackpack.mischristmas.com/
    http://monsterbeats.mischristmas.com/
    http://northfaceoutlet.mischristmas.com/
    http://mk.misblackfriday.com/
    http://coachoutlet.misblackfriday.com/
    http://coachfactory.misblackfriday.com/
    http://uggaustralia.misblackfriday.com/
    http://coachpurses.misblackfriday.com/
    http://coachusa.misblackfriday.com/
    http://coach.misblackfriday.com/
    http://michaelkorss.misblackfriday.com/
    http://michaelkors.misblackfriday.com/
    http://airmax.misblackfriday.com/
    http://michael-kors.misblackfriday.com/
    http://t.co/1PJuejI1ys
    http://t.co/FYm2MxWwLM
    https://twitter.com/CoachOutlet2014
    https://www.facebook.com/pages/Coach-Factory-Outlet-Online-Store-Michael-Kors-Outlet-Online-Sale-75-Off/712060898859091
    https://www.facebook.com/pages/Ralph-Lauren-Polo-Outlet-Online-Sale/1404100279810690

    ReplyDelete
  28. love it! very interesting topics, I hope the incoming Agen Ibcbet comments and suggestion are equally positive. Thanks for sharing information that is actually helpful. I am preparing a college paper and collecting Agen Sbobet information on this topic. Your post is one of the better that I have read. Thank you for putting this information into one site. Agen Ibcbet

    ReplyDelete
  29. love it! very interesting topics, I hope the incoming comments and suggestion are equally positive. obat herbal
    crystal x asli
    obat keputihan
    crystal x
    Ciri crystal x
    I think you mean Portsea! :) Thanks for sharing information that is actually helpful. I am preparing a college paper and collecting information on this topic. Your post is one of the better that I have read. Thank you for putting this information into one site.

    ReplyDelete
  30. Hal ini penting juga agen ibcbet , bahwa Anda menggunakan kata kunci agen sbobet yang paling pencari akan ibcbet menggunakan ketika mencari untuk jenis produk bola tangkas atau jasa. Ada beberapa generator kata kunci agen bola tangkas gratis yang tersedia secara online tangkas online yang tidak hanya memberikan beberapa kata kunci tangkas online untuk jenis bisnis Anda tangkas online indonesia, tetapi peringkat agen bola tangkas mereka dengan seberapa sering orang menggunakannya poker online ketika mencari jenis bisnis agen poker atau produk. Sebagai contoh, pencarian dewa poker cepat untuk "rumah gratis berbasis agen sbobet Generator kata kunci bisnis" mengungkapkan bahwa agen bola indonesia "bisnis berbasis rumah" kata kunci agen sbobet jauh dan menjadi agen bola tangkas pilihan utama. Namun, "berbasis agen bola terpercaya rumah peluang bisnis"

    ReplyDelete
  31. Nice article, thanks for the information. It's very complete information. I will bookmark for next reference
    jaring futsal | jaring golf | jaring pengaman proyek |
    jaring pengaman bangunan | jaring pengaman gedung
    http://www.jual-jaring.blogspot.com/
    http://www.agen-jaring.blogspot.com/
    http://www.pancasamudera-safetynet.blogspot.com/
    http://www.toko-jaring.blogspot.com/
    http://www.pusat-jaring.blogspot.com/
    http://jualjaringpengaman.blogspot.com/
    https://pancasamudera.wordpress.com/
    https://pasangjaringfutsal.wordpress.com/
    https://jualtambangmurah.wordpress.com/
    https://tokojaring.wordpress.com/
    https://jualjaringfutsal.wordpress.com/
    https://jaringfutsal.wordpress.com/


    ReplyDelete
  32. Not so for students at private institutions who rely on state financial aid to help pay their tuition bills. Private tuition isn’t set by the Legislature, of course — but the Republican version of the budget, which would lower state public-school tuition, would also cut the maximum amount of money that students at private schools could receive in state financial aid. The cut could cost some of the lowest-income students several thousand dollars over the course of a four-year degree. collegemoneyinsider Providing support, advice and tips for student loans, financial aid, college scholarships, private student loans, refinance student loans, student loans and financial aid. Here are student loans, financial aid, college scholarships, private student loans, refinance student loans, best student loans and financial aid.

    ReplyDelete
  33. Metro Limousine offering best rates on Stoney creek Airport taxi
    services for airport transportation in Ontario's Canada Call (416) 425 3000.

    ReplyDelete
  34. 24/7 Toronto Airport Limo
    booking available to/from Pearson Airport to/from your pick location in cheap rates Call for airport limousine Toronto booking (416) 425 3000.

    ReplyDelete
  35. Find the Best cheapest East York Airport Taxi
    and Limousine Services with discounted rates in East York Area for your Airport Transportation needs Call for booking (416) 425 3000.

    ReplyDelete
  36. Menghilangkan Kutil Di KelaminJika penyakit ini terus dibiarkan maka gejala juga akan terasa menyakitkan. Mengenai proses munculnya, kutil pada pria ini bisa hadir dalam bentuk datar atau berukuran besar dan berkelompok. Ciri yang paling umum dari kutil kelamin ini adalah bentuknya yang menyerupai kembang kol. untuk cara pemesanana silahkan kunjungsite kami

    obat alami wasir eksternalJika tumpukan terpengaruh secara permanen, seperti sembelit kronis, mereka meningkatkan dan secara bertahap didorong keluar dari anus. Dan berikut ini adalah lima mitos yang paling umum dari penyaki wasir untuk cara pemesanana silahkan kunjungbaca disini

    obat kelamin keluar nanahPada penderita sipilis, gejala-gejala awal yang muncul biasanya tidak disertai dengan rasa sakit. Lain halnya dengan penyakit kencing nanah yang biasanya menimbulkan rasa nyeri di daerah uretra pada penderitanya. Rasa nyeri ini juga dapat muncul saat penderita sedang buang air kecil. Semakin parah kondisi dari pasien penyakit kencing nanah, maka semakin hebat pula rasa nyeri yang akan dirasakan oleh si pasien. untuk cara pemesanana silahkan kunjungbaca disini

    obat ambeien wasir untuk ibu hamilWasir bisa disebabkan oleh banyak hal misalnya salah gerakan dalam olahraga pernapasan atau angkat beban. Wasir juga bisa disebabkan jika anda sering terlalu lama duduk ataupun berdiri. Saat anda duduk terlalu lama, vena rektum anda akan tertekan lama sehingga dapat menyebabkan wasir. untuk cara pemesanana silahkan kunjungartikel selanjutnya

    obat kelamin keluar nanahGejala awal penyakit kencing nanah bisa dilihat pada masa 1 hingga 3 minggu setelah terinfeksi pada perempuan. Sedangkan pada pria, gejala muncul dalam rentang waktu yang lebih cepat yaitu 2 hingga 7 hari. untuk cara pemesanana silahkan kunjungbaca disini

    Mengobati Kutil Pada KemaluanTapi yang menjadi permasalahanya karena beberapa metode pengobatan ini membutuhkan biaya mahal, selain itu juga belum tentu menjamin penyakit ini tidak timbul kembali. untuk cara pemesanana silahkan kunjungdisini

    Obat Kutil Di Sekitar KelaminEkstrak obat herbal ini dapat dengan mudah dicerna tubuh dan menyembuhkan secara alami dari dalam, tanpa efek samping seperti pengobatan kimia lainya. untuk cara pemesanana silahkan kunjungblog ini

    ReplyDelete
  37. Arrange the terms to check whether you can get a lower loan fee on the off chance that you think it is too high. Try not to be hesitant to request a lower loan cost or a more drawn out period to reimburse. Cash Advance

    ReplyDelete