Some schools meet financial need without federally funded loans for all students. Some meet full need for all without federally funded loans for lower income students. Some (most) include the Direct Loan in the need based aid award.
A school with a tuition only cost of $14,000 sounds like it’s probably a public university…is that correct? If so, unless it’s UVA or UNC-Chapel Hill, your full financial need is not guaranteed to be met…at all.
UVA does not put loans in packages for students below a certain income level. But above…the loans ARE included.