Like I said before, if you can get into Yale, you would probably get a free ride at A&M too as a NMF. If you are from a family with less than average income (60k),again you will probably not need loans. Rest of the students take loans, who are usually bright kids (same SAT score as the average student at U Penn in the late 70s/ early 80s from families that make more than average income ($60k).