If Harvard doesn’t offer any FA, OP’s family income is certainly north of $280k/yr, which means affordability is not an issue, but desirability may be. If desirability is somewhat inversely related to rarity, then Harvard no aid offer is harder to come by than USC full tuition scholarship offers in my neighborhood, perhaps others too. At my CA suburban school there are usually 3-4 offers of USC full tuition per year vs one Harvard offer every 3-4 years, and Harvard admits always have USC full tuition too, just an observation.