Formula can be very different as cpt pointed out, because of the way Profile schools consider income, equity, business, etc but anything other than federal loans should not count. I’ve seen the sub and unsub part of the Direct included (so the whole $5500), and one of D’s schools included a “Health Sciences loan” in the package - an additional loan because she’d applied to pharmacy at that school. She wasn’t sure about that major and they were vague about what would happen if she switched. She didn’t attend that school after all, so moot point.