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<p>Yes, loans can be used to “meet need.” And while federal loan amounts are capped, there is no such cap for private loans, which can be added to the mix in meeting 100% of need. Indeed, NYU and George Washington are known for this practice, as is Wake Forest. Heck, WF used to even footnote their practice in their common data set reporting – essentially changing the directions of the “common” report.</p>