<p>kasiiaaa, the FA office [Stanford</a> FA Undergrad Basics](<a href=“http://www.stanford.edu/dept/finaid/undergrad/]Stanford”>http://www.stanford.edu/dept/finaid/undergrad/) determines what portion the student will have to pay (it could just be the $4,500 that the student is expected to earn each year or it could be more, depending on what the student’s assets are), and what portion the parents will have to pay. If you add those 2 together and the total is less than the Cost of Attendance, Stanford will offer that remaining amount as FA. Students are not offered loans as part of the Student Contribution. Parents, on the other hand, may want or need to take out loans for their portion.</p>