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Higher education

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Applying to top US universities from UK: SATs, essays and financial aid?

88 replies

phyllidafosset · 13/03/2026 18:35

DD is in Y12, and so we have been discussing universities. The long and short is she doesn’t know what she wants to study, but she knows she wants to go to university (she is sure she doesn’t want to do a year out). After a lot of discussion we have started to wonder if a degree in the US would suit her because she can do a broad curriculum for a year or two and hopefully settle on what she loves. Career-wise she is focused on investment banking (!).

We have had a look, and some of the very top universities have good financial aid (and some do needs-blind admissions). She is doing 4 A-levels (maths/fm/econ/history), with a mix which I believe will be good for a liberal arts degree (or could lead to sciences/tech).

I know she would need stellar grades and stellar SAT results. I wondered how hard it is for UK applicants to achieve great SAT scores.

I am more worried about her ‘essay’ and her extra curriculars because they are going to be limited. She does do bits in school but she hasn’t done any of the stand out things I feel she might need. Has anyone got any experience of ‘normal’ UK students (with some supracurriculars) getting a place at a top US Uni?? Or any experience of applying? I am also unsure how far the financial aid goes (if you do get it) and what additional expenses (other than flights and visa) a UK student would have.

Realistically, is it too late to be considered this? Any thoughts/experiences would be appreciated!!!

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Ceramiq · 16/03/2026 10:42

Remember to include in your calculations the UK Masters degree that your DD will need to do on graduating in the US in order to enter the UK labour market.

phyllidafosset · 16/03/2026 11:07

Without wishing to deviate the thread (which has been really helpful), I did just want to follow-up on a couple of points which focus more on careers (which have been kindly offered, given I mentioned IB)

@trubbelatmill if you were aiming to say that graduating students can't just walk into a career, I would say that that was also the case for the majority in my day. The graduate job market at the moment is a challenging, but it was still hugely competitive when I did my degree. I do agree with you that there are even more graduates, but I think there have always been a tiny minority of careers people could just walk into (there were some that were possibly open to people with a huge level of privilege, and those are perhaps even smaller - which is why there are comments on Mumsnet about 'not even with an Oxbridge degree...').

I did mention Investment Banking in this thread, because that is impacting what universities my DD is aiming at. However, in line with what you are saying (although possibly with a different take on it?), I do not think that someone in Y12 can or should assume they can determine their career path now. There are too many uncertainties. My guidance for my children, at every stage, is to try to focus on what their passions are at that moment, and to pursue the things that they enjoy/are interested in/are good at. At each point, they can (and should) interrogate what is working for them and the things that aren't. It might not mean things are totally right, but it is less likely things will be totally wrong.

For that reason, I am supporting her choice for IB feeder universities (although I would prefer if she would consider less competitive universities too). If she doesn't decide to pursue IB, those universities will still be fantastic universities. But the most important thing for me is that she choses a course that she thinks she will enjoy. Because that is most likely to lead her towards a career she enjoys.

I know two people who 'chose' their career, based on what they studied at university as a teenager - a lawyer and a doctor. Even within my career (I'm an academic) the majority of my colleagues did not chose their career that way. I am a firm believer that the only way to find joy from your work is by following the subjects or ways of thinking/doing that interest you. I think that there is a tiny (miniscule?) number of people who decide what they want to do as teenagers, and actually are able to enjoy that career for their whole lives. I believe, more than ever, not only do jobs change, but careers change. I think that flexibility is going to be even more crucial as we move further into the digital age.

@Ceramiq Your experience on IB is helpful, but I think my approach to advising my DD is likely to sit in contrast with the approach you would take, but I think we will need to agree to disagree. I have advised my DD that courses in Computer Science/Maths/Economics would be useful. But she doesn't want to do any of them as a single subject. I am not going to tell her that that absolutely rules out IB for a career, because it may not (she recently met a (relatively) young woman at an IB internship who was a History graduate), and because I think that what is most crucial is that she does something she will hopefully love at University., Whatever the state of the job market, for the vast majority of children, I personally do not think you can (or should) try to determine their career at 16/17 because they just don't have enough experience of themselves or life to know. The exception is the minority of children who are clear themselves about what they think they want to do (and their choice sits in line with their capabilities, and they aren't just trying to please parents by doing law/medicine etc).

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phyllidafosset · 16/03/2026 11:13

@bettyjane and @ramonaquimby - for Canadian Universities - looking at investment banking, the 'target' universities are all business schools. Obviously that makes total sense for IB, but I am going to ask a stupid question! If she was applying to a business school, does it still leave you with the flexibility to have an undeclared major on entry, and to chose any time of major you might be interested in when you do have to declare one? That flexibility is the major appeal of the US colleges we are considering.

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XelaM · 16/03/2026 11:17

Absolute madness to apply to a US uni in my view (and my brother went to Harvard from the UK on a full academic scholarship). And 3 of my cousins went to Columbia (from abroad).

It is absolutely not worth the enormous expense (even with full fee funding it's still very expensive) and everyone I know who did study in the US came back. The quality of the education will not be any better, but you will spend an enormous amount of money, she will be far away from family and will probably not want to live there.

phyllidafosset · 16/03/2026 11:19

Movingon2024 · 15/03/2026 04:45

After also not knowing exactly what degree she wanted, DD went to St Andrew’s. As pp have mentioned, Scottish unis offer a much broader curriculum base and a modular approach.

DD changed her degree after year 1 but in reality you don’t actually confirm it until year 3. From our experience, it works very well for students who aren’t exactly certain of their academic interest when they enter.

Thank you - this is really interesting. I didn't realise Scottish degrees had that flexibility. She has a choice 'spare' in her list of possibilities, and so that is something to explore.

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phyllidafosset · 16/03/2026 11:33

XelaM · 16/03/2026 11:17

Absolute madness to apply to a US uni in my view (and my brother went to Harvard from the UK on a full academic scholarship). And 3 of my cousins went to Columbia (from abroad).

It is absolutely not worth the enormous expense (even with full fee funding it's still very expensive) and everyone I know who did study in the US came back. The quality of the education will not be any better, but you will spend an enormous amount of money, she will be far away from family and will probably not want to live there.

@XelaM I absolutely do NOT want her to live in the US permanently, so I'm delighted to know that everyone you know came back ! The huge and most important reason for considering it is because of the breadth of subjects she would be able to do. My hope is that it would enable her to really discover where her academic passions lie. We are going to have to do some detailed investigation to find out what aid we could get, and if we could afford it (we couldn't with no financial aid). It is impossible to know if it would be worth it or not. It is a huge decision, and it is true that being so far away is a challenge, but I think it is worth exploring.

Out of interest, why do you think it wasn't worth it for the people who you know who went? Was it a negative experience? Or is it just because your brother and cousins could have ended up on the same career path if they had stayed in the UK (or their home country - you didn't specify if your cousins are from the UK)?

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bettyjane · 16/03/2026 11:33

phyllidafosset · 16/03/2026 11:13

@bettyjane and @ramonaquimby - for Canadian Universities - looking at investment banking, the 'target' universities are all business schools. Obviously that makes total sense for IB, but I am going to ask a stupid question! If she was applying to a business school, does it still leave you with the flexibility to have an undeclared major on entry, and to chose any time of major you might be interested in when you do have to declare one? That flexibility is the major appeal of the US colleges we are considering.

Ah, sorry. I’m not sure. My daughter wants to study maths, but doesn’t want to go in to finance so I’m not sure regarding business schools/financial maths. Her offer is to study maths more generally, within the school of arts and science.

Ceramiq · 16/03/2026 11:47

I know a lot of young people who have been to Canadian universities and unless they went to the business schools (Desautels at McGill in particular) it has not been a happy experience academically. Canadian universities are not particularly well resourced and getting the classes you want is complicated. The academic advisors who are supposed to guide students and warn them of pre-requisites aren't reliable. There aren't regular seminars - for every lecture of hundreds of students, there are a couple of sign-up seminars and no guarantee of seeing the same seminar leader each week.

Sdnf · 16/03/2026 13:34

I wish your DD all the best. My child also wanted to do economics at HYMPS, but couldn't manage the applications alongside Oxbridge too stressful.

Money wise it would be cheaper to go to Oxbridge,LSE or imperial and then go to ibd?

ramonaquimby · 16/03/2026 13:48

Ceramiq · 16/03/2026 11:47

I know a lot of young people who have been to Canadian universities and unless they went to the business schools (Desautels at McGill in particular) it has not been a happy experience academically. Canadian universities are not particularly well resourced and getting the classes you want is complicated. The academic advisors who are supposed to guide students and warn them of pre-requisites aren't reliable. There aren't regular seminars - for every lecture of hundreds of students, there are a couple of sign-up seminars and no guarantee of seeing the same seminar leader each week.

I went to a Cdn university and have several nieces/nephews attending now. This isn't my experience or theirs . Totally depends on what university you're attending. You can't lump all universities together and comment about unhappy academic experiences.
I don't have any experience with business schools or degrees
Canadian unis are well resourced by international standards. Maybe you're thinking of endowments that American universities have, and the fact that the US have far more private elite universities.
In any case, I can't see the attraction in attending a US university in today's political climate

WW3 · 16/03/2026 14:25

This may sound a bit left field - and I haven’t read the full thread - but has your DD looked at the Natural Sciences course at Durham. It’s astonishingly flexible (with the usual caveat that when you put together unusual modules they don’t always fit into a timetable.) Her A level subjects wld work - she can do maths, econ, business, geog, psychology within NatSci and also take up to 1/2 her modules in the humanities/social sciences fields. So lots of variety there. [and it doesn’t come with the liberal arts tag if that genuinely is an issue - I don’t know!]

Having had a career in IB, I don’t think the “feeder uni” concept is as strong in the U.K. as it is in the US. But it is hugely competitive and you do need to be on it very early. The old Bristol tracker is what you need which will give you all the work experience/spring weeks/internships you can apply for and when plus your DD can get loads of online experience on Forage and similar.

https://the-trackr.com/

Regarding US applications, I think having lots of evidence in all the buckets is very important. A friend of DC was disappointed to have no success in the US despite getting an offer from Oxford. Their reflection was that they needed to have started years before building up their volunteering and extra curricular activities. I do know several UK students on partial scholarships to Ivy Leagues but they have all done so from very high rankings in County/National sport. My DC’s schools recommend only going down this route with a paid-for, experienced consultant.

FirmHazelJoker · 18/03/2026 00:39

Ucl offer arts and sciences which I believe is similar to the US degree structure.

phyllidafosset · 18/03/2026 14:32

@WW3 she doesn’t want to do science, although it looks like a really interesting degree! It is kind of why I am thinking if (with a little bit of a miracle) she did get in, then the US Liberal Arts (and sciences!) model would be great. My hope is that her a-levels would give her credits out of some initial classes and would enable her to explore some really challenging and interesting curriculum whilst enjoying some variety with her other required courses.

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