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[quote=Anonymous][quote=Anonymous][quote=Anonymous]In-State colleges in general are the best deals for most people and many are notoriously stingy with aid other than loans. [/quote]
Naive question: what does "aid other than loans" mean, or specifically, what does "loans" here mean? Do In-state college have their own loan programs to which they offer access for admitted students, or is the poster referring to the fact that these colleges ask families to make up the difference between the COA and their EFC by taking out the usual loans (unsub/sub federal loans, PLUS loans, etc.)?
If the latter, why do people refer to loans as a form of financial aid at all? (And why do colleges even include it?  Is this like a sign in a convenience store that says: cash only, ATM is around the corner?)[/quote]

Sounds like you're already on the right track, people are mostly referring to Federal loans that are automatically worked into FA offers. Here's current numbers for Maryland. They estimated total cost at $27,318, they deduct the Federal subsidized and unsubsidized loans that are available ($5500) and come to a COA $21,818 which is under our Expected Family Contribution.  This means we pay the full $27,318 whether we decide to take the Federal loans or not.  Maryland offered no other aid, not even offer work study.  The loans are financial aid, but not part of the Cost of Attendance because you don't cough up the money until after attendance is done.  I don't know if some state schools also offer institutional but private schools often have anther 2K in loans on offer.[/quote]

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