OT: The Night I Became A Republican

[scaredyclassic]

grrr. sucks when there’s all this emotion and familial duty wrapped up in it.

colleges are bad.

so what about getting your kid married? then he’s on his own…

http://WWW.WHYPAYTUITION.COM

why not do that?

[scaredyclassic]

the other riskier possibility is to just jump on the bandwagon and borrow, and expect some sort of federal relief when the bubble pops…

the first kid I think could do the engineering route pretty successfully…

but all these decisions are so speculative at 17

[scaredyclassic]

[quote=flu][quote=SK in CV]I’m not sure what this has to do with being a republican, but yeah it’s tough. But it’s worth it.

Btw, kids with a 3.0 can’t often get into a UC anyway.[/quote]

Depends on what race you claim you are. If your white, forget it. If your Asian, definitely forget it.[/quote]

who will speak for the mexi-jews?

[scaredyclassic]

18: no further duty to support kid.

18; able to contract

18: able to join military

18: get life in prison for certain crimes.

21; able to drink

24: able to apply for financial aid without parental assets

I think the financial aid rules are basically recognizing that basically, your kid is still a kid for a long time….probably should raise all the other ages to 24, too, just for consistency…

[Coronita]

[quote=squat300][quote=flu][quote=SK in CV]I’m not sure what this has to do with being a republican, but yeah it’s tough. But it’s worth it.

Btw, kids with a 3.0 can’t often get into a UC anyway.[/quote]

Depends on what race you claim you are. If your white, forget it. If your Asian, definitely forget it.[/quote]

who will speak for the mexi-jews?[/quote]

As long as you have a miniscale percentage of one of the protected races, you can claim it…At least that’s what some of my h.s. classmates did…(Needless to say some of them flunked out, but that’s another story)

Coming soon to a theater near you… Re-instatement of affirmative action…
http://articles.latimes.com/2012/aug/26/opinion/la-oe-schrag-california-uc-affirmative-action-20120826

I only speak from experience because obviously I was applying into college at the time when Prop 209 didn’t exist yet. So yeah, it was kinda a sore spot for me.

But if they do reinstate AA, it would be interesting to try a social experiment… Have one of your kids apply one way and another one the other (credentials being equal)….

Then again, at the way CA diversity is going, caucasians might be able to apply for minority status in about 10 years… Just kidding…sort of…

[NotCranky]

My parents were both deceased by the time I was 21. I was in the Navy until I was 23. When I got out and got a full time job then enrolled in college I could not get financial aid because I made too much money!
Lots of ethnic groups, born here and new arrivals who lived with their parents were getting free money every year. In Physics and Calculus it was mostly Asians. White kids who still lived with their parents in nice middle class homes were getting money on some terms. That was when I became a political agnostic.

[scaredyclassic]

[quote=Blogstar]My parents were both deceased by the time I was 21. I was in the Navy until I was 23. When I got out and got a full time job then enrolled in college I could not get financial aid because I made too much money!
Lots of ethnic groups, born here and new arrivals who lived with their parents were getting free money every year. In Physics and Calculus it was mostly Asians. White kids who still lived with their parents in nice middle class homes were getting money on some terms. That was when I became a political agnostic.[/quote]

Nowadays it seems like some vets kids get a total free ride. That also seems to me to screw up the market price since they won’t care what tuition is as they’re not paying it

[scaredyclassic]

I feel better now. Going to count my blessings and not look at what’s on others plates.

Still, an arranged marriage might be nice. Not sure if domestic partnerships will work so I’m looking for a girl. Anyone out there looking to make a match?

[scaredyclassic]

[quote=flu][quote=squat300]i will be pretty broke if I pay sticker price for 3 kids over the next 12 years…ahh, the hell with it…community college for everyone…[/quote]

Squat..Just wait until state schools start to follow some private schools and start including the equity of your primary residence towards whether your kids qualify for financial aid…Yup that’s right…If you spent your time paying off your house, they expect you to mortgage your house to pay for your kid’s education. Meanwhile, if you totally heloced the hell out of it and have no equity, then you get a benefit.

http://www.cbsnews.com/8301-505145_162-51276393/what-college-aid-officers-wont-tell-you/%5B/quote%5D

Would it pay to remortgage the house for fin aid purposes, invest the money? Would the difference between heloc interest and return be less than the inc. tuition?

[NotCranky]

[quote=squat300][quote=Blogstar]My parents were both deceased by the time I was 21. I was in the Navy until I was 23. When I got out and got a full time job then enrolled in college I could not get financial aid because I made too much money!
Lots of ethnic groups, born here and new arrivals who lived with their parents were getting free money every year. In Physics and Calculus it was mostly Asians. White kids who still lived with their parents in nice middle class homes were getting money on some terms. That was when I became a political agnostic.[/quote]

Nowadays it seems like some vets kids get a total free ride. That also seems to me to screw up the market price since they won’t care what tuition is as they’re not paying it[/quote]

I was in at a bad time for FA. I was to put in $2,700 from pay and get $8,100 for school. Had to spend the $2,700 on my dad’s funeral. Now they do have great benefits. Something like $2,000 for housing allowance and I think tuition get paid too. Not sure. I don’t think they have to pay any back if they drop out. Some that I see seem to be milking it for a while for the fun of it. Not that I blame them. It just doesn’t jive(or is it jibe) with national financial dire straights. Besides that the wars were bullshit. We are screwed.

[sdduuuude]

Might as well kill two birds with one stone and marry someone from another country so they can get a green card and citizenship.

[scaredyclassic]

Specific federal law prohibits green card marriage

[Ren]

[quote=squat300]Would it pay to remortgage the house for fin aid purposes, invest the money? Would the difference between heloc interest and return be less than the inc. tuition?[/quote]

Why not buy a couple of rental properties now, and let someone else make the tuition loan payments?

I went along with starting a 529 to humor certain family members, but “saving” certainly won’t be paying for their college. Their books maybe (or phablets, or brainlets, or whatever they’ll be using in 14 years).

[bearishgurl]

[quote=squat300]Would it pay to remortgage the house for fin aid purposes, invest the money? Would the difference between heloc interest and return be less than the inc. tuition?[/quote]

NO!

[quote=squat300]Nowadays it seems like some vets kids get a total free ride. That also seems to me to screw up the market price since they won’t care what tuition is as they’re not paying it[/quote]

scaredy the vet’s kids who get a “free ride” (fees only) are those whose parent has a 100% service-connected disability. In addition, they get ~$831 mo living expenses for 9 months per year. IIRC, the benefit only lasts for four years F/T consisting of 8 semesters (CSU/CC) or 12 quarters (UC). If these students screw up and/or take the wrong classes for their major or changes majors midstream, they are going to end up being out-of-pocket before their college “career” ends. The benefit is only available to legal issue and legal adoptees of the disabled vet and not to persons whose paternity was never determined, stepchildren or children given up for adoption by the disabled vet.

The CalVet program covers students whose parent has LESS than a 100% service-connected disability. For UC, it pays all fees same as above but no living expenses. For CSU/CC, it pays ~$1275 per semester in fees (partial fee-waiver). HOWEVER, there is a BIG CATCH to the CalVet assistance. The student is NOT ALLOWED to make over $11,702 year gross in any tax year they are accepting CalVet assistance for college. If they do, they will be dropped from the program as CalVet orders their recipients’ tax-return info from the FTB every year. This would preclude these students from from accepting slots at CA coastal campuses with a high cost of living unless they received other cash assistance from parents or other relatives, had other available aid, worked a lot “under the table” and/or took out a student loan.

You are correct that UC RIV, UC Merced and UC Santa Cruz are the only UC campus that currently accept solid “B” students. I was told the exact same thing last month by my kid’s counselor at school. The rest of the UC Campuses accept freshmen with avg GPA’s ranging from 3.73 to 4.22. However, incoming juniors (from CC) can often transfer in with a little less than that.

How far is the UC RIV campus from your home, scaredy? Can’t your kid just live at home and attend UC RIV? If it’s more than an hour’s drive one way, he can schedule all his classes on Tues/Thurs and just go twice a week. I think he would be a little “bored” at CC for two years, due to his extremely high SAT score and his “natural inquisitiveness” you often describe here 🙂

[scaredyclassic]

Hmmm.

Need to ponder.

Parents matter.

I’m thinking cal poly Pomona if he gets in. Tuition plus rm and board comparable to uc riv tuition, and no commute. Also can visit on weekend.

Ok, done.

Wait. Unless they won’t take his 1.5 years of ap credit. Maybe just go get a bs at cal state San Marcos ASAP while living at home.

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