I’m a bit confused by this, but I think it means that loans aren’t built into these numbers; rather, you can use loans to help cover the 9K. (Which is better than if you had a 9K out-of-pocket obligation and also loans!) When you run the Net Price Calculator for private schools, the results will state a loan amount, if loans are part of the package, and also the amount of your out-of-pocket costs. So when you tell your parents what a school costs, it should be the sum of those two numbers, not just the out-of-pocket at the time.
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