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I guess the only concern I have is that I think that the "you will never get a free ride" is a little bit overstated. You don't have to be Harvard quality -- there are a number of 1/2 tier LACs that are now offering additional grants to low income families to remove loans and work study. Even some public universities are doing it -- for example, UC "Regent Scholarships" can include extra grants to replace loans and workstudy. A student can certainly be good enough (and needy enough) to get one of those without being "Harvard-quality".
I think it would be more realistic to say that the 'full ride' -- full grant-based aid without loans or work study -- is very rare and not the norm, without saying that it's only for "Harvard quality" students. It *is* increasingly becoming available to very low income students, so very low income students shouldn't restrict their applications to just public or local schools. The advice seems to suggest that very bright low income students who are not "Harvard quality" cannot get aid without loans, which is misleading.
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