Yes, they would try to make it so you wouldnt need to take out loans first, so if you owed 12k, for the year, and had 6k in loans, and 6k out of pocket, they supllement the loans out first, they usually leave the work study, what they always try to do is make sure that if the efc says youe responsible for 3k, 7k, 13k, thats what ur left with, so theyll adjust it but your out of pocket will always be what they determined using your EFC. Also they give full boats to the 1% and great merits to the 10%. Incase your wondering.