You read your financial aid package correctly, MINIMUM out-of-pocket cost at a UC starts at around $9,000 per year regardless of your family income (some UCs charge more than $12,000 per year out-of-pocket).
Many students are not able to work and the work-study amount often gets converted to loans (you can also convert eligible loans to work-study). That means you are likely to graduate with AT LEAST $36,000 worth of student debt (often significantly higher, in addition to PLUS loans that many parents have to take out).
Keep applying to scholarships, there are still some out there. Consider looking for scholarships offered through local sources: Rotary Club, Lions Club, Elks Lodge, credit unions, local businesses, employers, unions, etc. It’s a lot of work, but it’s better than working while in college or taking out loans.
More recently, students have been turning to crowdfunding as a source of tuition assistance. If you have the time and think you can manage a project like this, go for it! Here are some resources to get you started:
If you have a crowdfunding campaign already set up (or you are setting one up now), send the link to me and I will feature you on my blog to help you get funded!
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Want to help a UC student instead? Link to your crowdfunding campaign can be here!