<p>Read the “no loans for families under 60,000” thing closer. It says for families with incomes under 60,000 who “demonstrate high financial need”. This gives them free reign to make the policy useless, and I’ve seen it done. They told me I didn’t qualify because my family has a house. Doesn’t matter what kind of house, or how much is paid off, but if you live in a house and not an apartment, you don’t qualify automatically. I had to fight with other reasons to get the loan replaced with a grant.</p>