<p>* If a school touts that they meet 100% of financial need it’s a useless fact unless they specify “no loans”. Any school can meet need with loans and work study.*</p>
<p>Oh…were you thinking that “meets need” means “no loans”? No, it doesn’t. </p>
<p>However, I agree that “meeting need” should never include Plus loans that are for gap (I don’t mean for EFC).</p>
<p>It sounds like your D was given expected fed student loans towards need…that is normal and not misleading.</p>
<p>However, if you had to use Plus loans to cover “gap” between need and COA then UMich is not doing what it says it does…and that’s meeting need for instate.</p>
<p>You say that the debt will be about $30k-40k…that sounds about right…about $27k would be Stafford, maybe a few more thousand for Perkins…and then some Plus. But was the Plus for EFC or was it for gap?</p>