Financial aid is no different for international students compared to US students so requesting or needing financial aid is not a factor or detriment. I got stuck on your concern letter C - “c) I’ve heard that the UG experience at Harvard is not very good”.
I assume UG experience means undergrad? If so, then the question is why would you even apply to a school that as far as you’re hearing has a “not very good” undergrad experience? What does not very good mean?