<p>If the student contribution does not include more than the subsidized federal direct loan amount ($4,500 for sophomores, $5,500 for juniors and seniors; all class levels can take additional $2,000 in unsubsidized federal direct loans), then the financial aid package does not disqualify the school from counting it as “meet full need” in the Common Data Set definition. Of course, the loophole is that there is no hard limit on the amount of work-study the school can offer for the student contribution.</p>