Typically, schools that meet full need will calculate an EFC based on information provided on FAFSA/Profile/other financial aid forms. The EFC will then be subtracted from cost of attendance (COA) to come up with the “demonstrated financial need” amount. The demonstrated financial need will be met with a combination of grants/scholarships and/or loans and/or work study, depending on each school’s policies. My guess is that generally, schools that don’t meet full need also do not allocate loans to the EFC side of the equation.