Are you talking about the direct subsidized loans everyone gets for doing a FAFSA?
It’s $5500 first year, $6500 second, and $7500 in years three and four for $27k total.
What kind of school? Public OOS or private ?
Most publics don’t meet need for OOS kids. Many privates don’t use fafsa but css. Efc doesn’t necessarily impact aid.
But this to me sounds like the automatic loans even the affluent have access to.