<p>The schools that cover complete EFC without loans might be good. Some cover even more. If you can get into a place like Princeton or Harvard, you’ll be fine with money, as they offer far more aid than just covering the EFC. Another option is applying to schools that very generous with merit aid. Not only can you do well on the PSAT, but if you do anything really amazing in high school you should be fine. One of my friends is applying to a lot of those sorts of schools as an Intel and Seimens semifinalist, and she is sure to get tons of aid. If you mainly test well, a large state school would love it, and if you have other awesome achievements a smaller school may be delighted to cover all costs. If you work really hard, you should have many options. You may need to apply to a lot of schools though, and they each cost some money to apply to. So you’ll need to come up with a few hundred dollars to pay app fees. Talk to your guidance counselor about all that. Hopefully they’ll be able to offer advice.</p>