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Experts call it "front-loading" -- when a university's financial aid department beefs up freshman aid packages with institutional money, in an effort to reel in admitted students, but decreases that aid in subsequent years. And at its worst, he says, this bait-and-switch technique can cause underfunded upperclassmen to overborrow, delay graduation or drop out.
To identify schools where upperclassmen may secure less aid, U. News examined a range of data points from its financial aid survey. The schools on the list below reported the largest drop in the percentage of demonstrated need met between first-year, full-time students and all full-time undergraduates.
Here's what that means: Percentage of need met is a measure of how a school closes the gap between the cost of attendance -- tuition, fees, room, board and other expenses -- and how much a family can pay , typically determined by the Free Application for Federal Student Aid and any institutional formulas. Schools responding to the survey were asked to report the average percentage of student need met using institutional grants, need-based scholarships and subsidized loans , which are awarded based on need, among other types of aid.
They were asked not to include need met through federal PLUS loans taken out by parents, unsubsidized federal loans or any private debt students took on. A large decrease in the percentage of need met for all undergraduates at a school indicates that aid tanked for upperclassmen.
News also asked colleges to provide the average dollar amount given to students in grant or scholarship aid, which does not need to be repaid. At the schools on this list -- with the exception of Montana State University -- the average need-based grant or scholarship for all undergraduates decreased by amounts ranging from a few hundred dollars to many thousands of dollars from the average award for first-time students.
If the difference is surprising, keep in mind that these numbers likely don't show the full extent to which freshmen see more aid than sophomores, juniors and seniors because aid to freshmen is factored into the overall average. Overall, National Universities and National Liberal Arts Colleges met slightly more need for first years than for all full-time undergraduates -- Almost 60 percent of colleges that reported data met more need for first-year students.
The 10 schools below reported the biggest differences between the average percentage of need met for full-time, first-time students and for all full-time undergraduates out of the ranked National Universities and National Liberal Arts Colleges that reported the data. Cardinal Stritch University WI. University of Arkansas--Little Rock.
Albright College PA. Nova Southeastern University FL. University of Rochester NY. American University DC. Northeastern University MA. Montana State University. New York University. University of Texas--Dallas. Department of Education, colleges and universities are required to verify or confirm the data reported by students and parent s. The verification process ensures that eligible students receive all the financial aid to which they are entitled and prevents ineligible students from receiving financial aid to which they are not entitled.
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