After the Scholarship—What Families Actually Pay (COA Reality)

The percentage on a PDF matters less than cash you still write each year.

Bottom line: get Cost of Attendance in writing, subtract stacked athletic + merit aid, then table flights, insurance, visa, and break housing that offers rarely cover.

COA vs sticker tuition

Ask for the full attendance budget, not tuition alone.

What aid often skips

Flights, SEVIS/visa, break housing, gear.

Stacking

Athletic + merit; federal need-based aid often doesn’t apply to internationals.

Four-year cash flow

Renewal isn’t guaranteed—model out-of-pocket yearly.

Next step

Apply

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