Still confused. So round figures, say a $14,000 tuition bill, EFC of 8,400, with student Loans offered 6,500. The 6,500 student loan is not considered by a college to be included in the family contribution of 8,400, but rather, the tuition less family contribution = balance which can be paid for by student loans? So in the end the family actually pays 100% between now and later when the student pays the loans off. Small figures, I know, just want to be sure I understand the process from a FA point of view.