<p>UMich meet needs of in state students but that include the subsidized loan and workstudy. Nevertheless, they may use grant money to replace the loan and workstudy if they have money. My D’s initial package was with loan and workstudy but they were replaced with grant money at the end. I am not sure what would happen if we request the $5500 subsidized loan amount in the financial aid. We know by getting more scholarships, the grant will be reduced accordingly (until it reaches 0) to maintain the EFC. Would putting loan back in the aid package reduce the grant? Possible, as the grant was used to replace the loan in the beginning. So this need met calculation can be more complicated that it appears.</p>