It’d have been helpful information to mention 
.
Then indeed you do not qualify for any federal or US private loan.
Institutional loans should be as low as possible since you would have to repay them quickly while on OPT (due to salaries being much lower in other countries).
What does the university’s NPC indicate (keeping in mind it’s fie domestic applicants so that result would be a best-case scenario, it still reveals whether the college’s formula’s results match your ability to pay.)