<p>Sybbie, I am certain some appreciate your advice about how top schools give need based FA, BUT I am asking about the non-top schools, that do not give much need based aid. I realize one CAN borrow full COA. I am asking what people think is right number students SHOULD borrow for schools below top 40.</p>
<p>I am really asking the question, how much debt makes sense for the non-top schools. Does anyone think that even the 20/year is too much? I think it now will start accruing interest at almost 7 per year.</p>