<p>my apologies for the late reply, i got caught up with the holidays and haven’t checked this thread since</p>
<p>26K scholarship is quite substantial, congratulations on that and your acceptance 
fin aid at nyu is dependent on your need, your merit, and your talent(ie. applying to tisch). Admission to tisch requires good performance in both academics AND your talent(in your case, writing) - a superior ability in one may overshadow the lack in the other, although the real case is obviously not so simple - they factor in your essays, extracurricular, and recommendations - these may serve more significance than one might think.</p>
<p>the loans are indeed yours, you should be able to accept or deny the loans by the checkboxes in your fin aid summary on albert (are you given access to albert yet?), as well as specify the amount from each loan you want to take.</p>