<p>IU-SE could be primarily a commuter school, as well as mostly instate, so those going there might not have that much need or cost for that matter, so most of their need is met. I’ve seen a number of community colleges and small local state schools where the need is nearly completely met, because the tuition is low, most of the students commute so that PELL, State aid, Loans and work study, with a smattering of grants can cover most need.</p>