No they do not. I have a kid at an Ivy and know plenty of people especially this year that have a lot of financial issues due to Covid and suddenly had to take out huge loans because they do not meet all need. I know of one family that got hit with $30k additional unmet need this year over last year and had no change of circumstances at all. Princeton is the one known to cover full need, but not all Ivies do. The NPCs are not all accurate either. They will tell you one thing, but people cannot rely on them either. This is why some kids apply ED every year and then ultimately for financial reasons have to pull out.