efc

There is so much more that goes into it all than efc.

Is it a state school, nonprofit, or for profit?

What year of school are you entering?

Is this your first degree?

Are your grades good enough for merit based aid?

Does your state provide need based assistance?

Is that 23,000 for 1year? Is it total cost of attendance, or just tuition?

Without those answers no one can give you anything close to an answer, but I'll try anyways.

If this is your 3rd year (cause pre-reqs take so long) then you could get about 12,500 in federal loans (sub and unsub), you could also get about 500 in Pell grants. So total you could get 13000 in aid towards your 23k. The rest would have to come from private loans.

My EFC was 7k ish. And my COA is estimated to be 35k, of which I got about 12.5k in loans offered. Luckily I qualify for alot of merit based aid.

Is it a state school, nonprofit, or for profit? non profit i believe

What year of school are you entering? spring 2012

Is this your first degree? yes 1st degree

Are your grades good enough for merit based aid? 3.52 gpa

Does your state provide need based assistance? i believe it does

Is that 23,000 for 1year? Is it total cost of attendance, or just tuition? just tuition 23,000

i dont have all that money to take out loans and such im so sad now

State school is good (why is it so expensive though?). State schools are some of the biggest grantors of aid. However, your GPA isn't so high that you can count on merit based aid. And your EFC might put you out of the range for need based aid (my efc was 2k more than yours and I got nothing related to need).

You will also get the AOTC, which refunds 2.5k on the first 4k of edu expenses for tax years 2009-2012.

well its Molloy college its a cheap private school. The state schools are too competitive and yeah i should raise my gpa up

It's a not-for-profit so it's invested in your education (almost A's good A's state) but it is very expensive. If you are worried about student loans, you should improve your GPA and apply to state schools (I am in state school to save €£¥$).