<p>If Harvard gives you an EFC of 35k (your EFC may vary, but if you have an idea as to what it was at undergrad, I guess you can use that # as a jumping off point) and you cannot cover it, your son is eligible to take out a Gradplus loan for up to the full cost of attendance. So if your son had to borrow the full COA to attend Harvard, we are talking about ~ 217,800 with (61.k in unsub stafford loans).</p>